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Larry Burkman Agency

4820 University Dr., Ste. 7
Huntsville, AL 35816

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How many different kinds of commercial insurance do I need for my small business?

Most small businesses are vulnerable to a variety of potential perils. Even if you do everything right, you cannot control everything that happens. Protecting your Huntsville, AL small business is important so that your business can move on and continue to thrive even after experiencing a setback. At the Larry Burkman Agency, we can help you look at your possible risks and choose the coverage that is right for you.

Business Owner’s Policy (BOP)

The most common kind of policy small businesses get is a BOP. The BOP combines the most important kinds of coverage in one place, helping you coordinate claims and even saving you money. 

A BOP usually has two main parts:

  • Business property insurance protects your physical building, including its contents, in case of certain named perils, such as fire or vandalism.
  • Business liability insurance protects your business in case someone sues your business for property damage or bodily injury because of something that happened during the normal course of business.

Other Kinds Of Commercial Insurance

There are several other kinds of available protection, and you can choose only the ones you will need. If you are a licensed professional, you should add professional liability insurance. Business interruption insurance protects you during an unforeseen closure. Data breach insurance has become popular as criminals have become more adept at interfering with others’ computers. If you have five or more full- or part-time employees, your business will be legally required to carry workers’ compensation insurance. These are just a few examples.

We Are Here To Help

Make sure your Huntsville, AL small business has the protection it needs. If you are interested in adding protection, or if you just have questions about commercial insurance, please feel free to call the Larry Burkman Agency today.

Partner Carriers

  • ASI
  • Foremost
  • National General
  • Orion
  • Progressive
  • Safeco
  • Safeway
  • The Hartford
  • Travelers
  • Universal