Umbrella Liability Insurance to fit your budget and needs

Low Cost Umbrella Liability Insurance

​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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​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.
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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 them 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 the client relationships, building a sales force, and operating a profitable agency in which they have an ownership interest.