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  • Our Promise to You
  • Get a quote
    • Make a Payment
    • Accessibility Statement
  • Personal Insurance
    • Personal Auto Insurance
    • SR22 Insurance
    • Home Insurance
    • Condo Insurance
    • Renters Insurance
    • Mobile Home Insurance
    • Farm Insurance
    • Home Warranty Appliances
    • Home Warranty Utility Lines
    • Vacant Property Insurance
    • Motorcycle Insurance
    • ATV Insurance
    • RV Insurance
    • Watercraft Insurance
    • Flood Insurance
  • Business Owners Insurance
    • Commercial Property Insurance
    • General Liability Insurance
    • Umbrella Liability Insurance
    • General Contractors Insurance
    • Builders Risk Insurance
    • Landlord Insurance
    • Artisan Insurance
    • Barber Shop Insurance
    • Hair Salon Insurance
    • Restaurant Insurance
    • Special Event Insurance
    • Surety Bonds
    • Workers Compensation
  • Commercial Vehicle Insurance
    • Dump Truck Insurance
    • Tractor Trailer Insurance
    • Motor Truck Cargo Insurance
    • Trailer Interchange Insurance
    • Tow Truck Insurance
    • Waste Haulers Insurance
  • Life Insurance
    • Final Expense Insurance
  • Locations
  • Join Our Team
  • Agent Login

Umbrella Liability Insurance to fit your budget and needs

Low Cost Umbrella Liability Insurance

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​What is Commercial Umbrella Insurance?
Umbrella liability insurance provides an extra layer of protection against bodily injury and/or property damage. Essentially, it picks up where your business auto liability, general liability or other liability coverage stops.
How commercial umbrella insurance works
A commercial umbrella policy serves 2 distinct purposes:
  • It increases the liability limit that your company already has in existing, or underlying, liability policies. For instance, if your general liability policy offers $1 million coverage per occurrence or $2 million total, you could get a $2 million umbrella policy and increase those limits to $3 million per occurrence and $4 million total. 
  • It broadens coverage for things that your underlying policies may not cover. For instance, if your auto liability policy covers accidents that might occur in a specific area, an umbrella policy could expand the coverage territory.
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​WANT TO OPEN YOUR OWN LOCATION?
​Our turn-key operation is a one of a kind in the industry. We offer high commissions and renewal payout rates, as well as access to more than 50 competitive insurance companies.
JOIN OUR TEAM
Gene Ruggerio, President, and Allen Vest, Vice-President, invite you to schedule your own virtual/phone consultation in learning more concerning: how/what/when and most importantly why you should make the switch to being an independent agent today. Contact Gene or Allen at (205) 776-1680.
​Alabama Insurance Agency, Inc. and ALASTAR Insurance Agency, LLC has perfected the agency/owner model of managing and operating an Independent Insurance Agency. Our agents focus on client relationships, building a sales force, and operating a profitable agency in which they have an ownership interest. ​