Commercial Insurance

South Shore Insurance is a local leader in providing commercial insurance and loss control consulting for catastrophe prone areas. Our staff of experienced insurance professionals can develop commercial insurance programs that make sense for you and your employees. We understand that each success is the result of hard work; we will do our best to help protect all you’ve earned.

Our approach to helping you and your business is simple; we align ourselves with top quality carriers and provide long-term carrier opportunities to our team.  This methodology ensures that we can offer you the commercial insurance products best suited for your needs, and that the person you call today is here when you need them most.  In an “apples to apples world,” we are like no other agency.

We provide Business and Commercial Insurance Solutions for: Restaurants and Bars, Retailers, Manufacturers, Car & Boat Dealerships, Convenience Stores, Condo Associations, Law Firms, Banks, Accountants, Property Management Firms, Real Estate Agencies, and much more.

We can provide coverage against a vast array of exposures including, but not limited to General Liability, Executive Liability for Directors and Officers, Professional Liability, Cyber Liability, Commercial Automobile, Business Umbrellas, Commercial Property Insurance, Surety Bonds, Employment Practices Liability, Work Comp, and Special Events Coverage.

Contact us today and schedule a free insurance consultation with one of our insurance professionals.

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Business owner’s purchase general liability insurance to cover legal hassles due to accidents, injuries, and claims arising out of negligence. General Liability insurance policies protect against bodily injury, property damage, medical expenses, libel, slander, the cost of defense, and settlement bonds. They can also cover the premises and operations exposures arising out of the location of the business as well as damage from defective products or operations performed. Other related coverages may also fall under general liability insurance.

Coverage amounts are typically expressed in terms of $1,000,000 increments and form the corner stone of any business asset protection plan. Make sure you have what you need today. Contact us today so that we can help you obtain a General Liability policy for your business.

While you look after your organization, who looks after you? As an officer or director of an organization you have an exposure and your personal assets may be exposed. Directors and Officers owe a duty of care to its members, who include customers, shareholders, and employees. This duty of care is an expectation that you will exercise reasonable care when acting on behalf of the members you represent. The foundation of a D&O policy is to cover this breach of care.

In our litigious society, no private organization should take its duties lightly. Claims, large and small, are filed everyday by former, prospective, and current employees alleging employment practices related wrongdoings such as failure to promote, sexual misconduct, wrongful termination, and gender discrimination. In addition, suits have been filed from shareholders for failed mergers and acquisitions, failures to procure adequate insurance, financial losses after forecasted profits, and non-intentional mismanagement of funds.

If you hold an office on an executive committee or board, you need to protect yourself. Contact us today for a detailed explanation of how we can help you minimize this risk and protect your personal wealth.

**Remember Errors and Omissions is concerned with performance failures and negligence with respect to your products and services. D&O is tied with the performance and duties of management and their actions undertaken in an “insured capacity.” Those policies are not intended for actions taken outside of the capacity as a director or officer.

Many confuse EPLI (Employment Practices Liability Insurance) with D&O (Directors and Officers) and E&O (Errors and Omissions). EPLI covers employers from claims made by workers who have sued the company for violating their legal rights as employees. Possible lawsuits include claims for sexual harassment, breach of contract, wrongful termination, discrimination, and failure to hire or promote. Even in the event of a frivolous lawsuit or claim, the defense costs can be enough to severely damage your business. As an employer and business owner, you can’t afford not to protect yourself from these exposures.

Please contact us today to speak with an insurance professional about all of your business insurance needs.

Business owners providing legal, healthcare, or professional services should consider having professional liability insurance, also known as Errors and Omissions insurance or E&O insurance. This type of liability coverage protects your business against malpractice, errors, and negligence arising from providing services to your customers. Depending on your profession, you may be required by your state government to carry such a policy. Contact us to set up a client consultation and let us do the shopping for you.

**Remember Errors and Omissions is concerned with performance failures and negligence with respect to your products and services. D&O is tied with the performance and duties of management. Two different exposures typically require different insurance solutions, so contact us today to minimize your risk and maximize your profits.

Isn’t it amazing how everything is just a click away? With great connectivity comes great reward and great risk. The typical business policy only covers so called “tangible” assets and electronic data is NOT typically considered tangible under most policies. Therefore, you need to consider purchasing Cyber liability coverage, which is designed to fill this gap. It addresses the first and third party risks associated with networks, e-business, informational assets, and Internet communications. This includes virus transmission, privacy issues, infringement of intellectual property, other unintentional acts, or mistakes made by you or your employees.

Forbes reported a recent study by the U.S. Secret Service and Verizon Communications, Inc., which indicated that 72% of all data breaches occur in SMB (Small and Medium Sized Businesses). The average cost of this breach was approximately five million dollars. Contact us today so we can discuss your Cyber Liability exposures which are only a click or two away.

When it comes to the wheels that drive your business around town, pick an insurance representative that is knowledgeable and willing to discuss your commercial auto needs. We have access to some of the nations largest commercial auto providers. Commercial auto is available for vans, trucks, business autos, tow trucks, dump trucks, and much more. Contact us today to speak with one of our insurance professionals about the company and coverage you need to keep your business up and rolling.

Commercial Property Insurance from SSIA can help protect the property your business owns including assets like inventory, medical equipment, furniture, fixtures, and the building from which you operate. Coverage can also include protection for records and lost income if your operations are suspended due to a covered loss. Whether you own or rent the building from which you operate, Commercial Property Insurance is one of the first types of insurance you should consider when launching a new enterprise.

Please contact us today to make sure your business property is protected from a multitude of possible perils.

A surety bond or surety is a promise to pay one party (the obligee) a certain amount of money if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract. The surety bond protects the obligee against losses resulting from the principal’s failure to meet the obligations.

Worker’s Compensation is a form of insurance designed to cover wage replacement and medical benefits to employees injured in the course of employment. Currently in Alabama, if you have over five employees, you are required by law to provide work comp. Please note that just because you are not required by law doesn’t mean you don’t have an exposure. For instance, a small A/C repairman with three waged employees is not required to provide work comp coverage, but if one of his employees suffers a work related accident, you can rest assured the A/C repairman (employer) is liable.

Please contact us if you are in need of protecting yourself and your employees in the event an injury occurs on your watch.

Event Insurance made easy? Look no further as we have event insurance for weddings, summer camps, sport camps, day camps and clinics, health or fitness programs, sports teams, festivals, fairs, event planners, outfitters and guides.

We can also provide event insurance coverage for venues such as amphitheaters, auditoriums, trade shows, sports complexes, civic and convention centers, performing arts centers, and much more.

Don’t worry about extreme weather, no-show vendors, alcohol-related accidents. Event Insurance is easy and affordable. Limits up to $5M available and we have no problem adding your venue as an Additional Insured.

Please contact us to ensure that your special day(s) aren’t ruined with an unexpected lawsuit for which you aren’t covered against. We are the Alabama and Mississippi Gulf Coast leading solution for event insurance.

We service the entire Alabama and Mississippi Gulf Coast including Gulf Shores, Orange Beach, Fort Morgan, Daphne, Fairhope, Spanish Fort, Mobile, Biloxi,Pascagoula, and Bay St. Louis. Call today for all of your commercial or residential event insurance needs.