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The Mitchell Agency LLC

4170 Carmichael CT., Ste. A
Montgomery, AL 36106

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How to Create an Effective Commercial Insurance Policy

The thought of owning your business is an exciting proposition for anyone. However, the decisions before opening the doors can be challenging for a new business owner. The first move is purchasing an effective commercial insurance policy that will become a wise financial investment. The Mitchell Agency LLC in Alabama can create a policy that protects your business from unforeseen circumstances.

What is Commercial Insurance?

Individuals expose themselves to all sorts of risks after opening a new business. The goal is to protect your financial interest from certain risks that come up regularly when operating a storefront. Commercial insurance is the extra protection needed to run a business. However, the policy’s terms can be complicated to read and interpret. You have to choose coverage that fits within your budget.

General Liability Coverage

All businesses run the risk of causing bodily injury or property damage to others during a work day. Alabama state law requires all businesses to have minimal general liability coverage included in their commercial insurance policy. It will protect them from being sued for injuries caused by slipping or falling on the property. Liability coverage pays for all medical costs and property damage associated with the mishap.

Commercial Building Property Coverage

Commercial building property coverage may sound too obvious, but most general commercial insurance policies fail to include the provision. The coverage is mandatory if you are renting the building space. It will protect recent structural additions, inside fixtures, and permanently installed equipment. Thus, you will have protection against damage from a natural disaster. 

Consult With Us

Creating a commercial insurance policy can be a confusing process for new business owners. Talk with The Mitchell Agency LLC in Alabama, as an agent can assist in gaining the protection needed for your business. Our staff wants to create an effective policy that fits your commercial insurance needs. Call and set an appointment today.

Servicing States

  • Alabama
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