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Home > Business & Commercial Insurance in Decatur, AL | Akin & Associates

Business & Commercial Insurance


Business & Commercial Insurance Quote Forms

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Bond Request Form
Builders Risk
Business Owners (BOP) Quote Form
Commercial Auto Insurance Quote
General Liability Quote Form
Liquor Liability Quote Form
Workers Compensation Quote

Business & Commercial Insurance Customer Service Options

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Add Driver to Existing Commercial Auto Policy
Add Vehicle to Existing Commercial Auto Policy
Remove Driver from Existing Commercial Auto Policy
Remove Vehicle from Existing Commercial Auto Policy
Request Declaration and Coverages Page for Commercial Auto Policy
Request General Liability Certificate of Insurance
Request ID Card for Commercial Auto Policy

Business & Commercial Insurance Information

Alabama is a state full of business opportunity for several industries. If you are thinking about starting a business in Alabama, it is important to have the right insurance to protect your assets and prevent a lawsuit from causing your business heavy financial trouble. 

At Akin and Associates, Inc., our dedicated agents work with a variety of top carriers to help you find and tailor a policy for your business. We will help you save money on business insurance without sacrificing coverage you need. 


What Does Business Insurance Cover? 


General Liability 

General liability insurance covers non-professional negligence and accidents that may occur through everyday activity in your business. This includes bodily injury, property damage and personal and advertising injury. 

For example, if someone is injured on your business’ property, general liability insurance can cover the victim’s medical bills as well as protect your business from a possible lawsuit resulting from the accident. 

Personal and advertising injury doesn’t cover physical damage. Instead, it covers incidents such as libel, slander, theft of advertising ideas, copyright infringement, wrongful conviction and more. 

Additional liability coverages you may add to your policy includes: 

  • Products Liability:Products liability covers bodily injury and property damage that may be caused by a product provided by the business.

  • Liquor Liability: Liquor liability insurance protects businesses who serve alcohol in case a patron causes bodily injury or property damage to someone else.

  • Professional Liability: Professional liability insurance covers professional negligence that may cause a client to lose money.

  • Umbrella Liability:Umbrella liability insurance fills in the gaps left by other liability insurance policies. If your general liability insurance policy reaches its limit for a single claim, for example, umbrella insurance can step in to cover the remaining costs.


Workers Compensation 

Workers compensation covers injuries your employees may suffer on the job. This insurance can cover medical bills, wage replacement, disability expenses and, in extreme cases, death benefits. 

If an employee is injured on the job, a workers compensation claim should be field to cover their medical expenses and protect the business against a possible lawsuit. As a rule, businesses in North Carolina must carry workers compensation if they have three or more employees. Even a single employee may benefit from workers compensation insurance, however. 

Commercial Auto Insurance 

Commercial auto insurance covers vehicles owned or used by a business. A full coverage commercial auto insurance policy may include a lot of the same coverages as a personal auto insurance policy as well as additional coverage such as Hired and Non-Owned Auto, which covers vehicles borrowed or rented by the business. 

Protect Your Business 

Protect your business and its most valuable assets with the right coverage. Call Akin and Associates, Inc. at (256) 355-8500 or fill out an online quote form to get started today. 


Common Business Insurance Questions 


How Many Employees Do You Need for Small Business Insurance? 

Small business limits vary depending on your industry. A small business could be anywhere between 100 and 1,000 employees, so it is important to know the details of your industry when it comes to qualifying for small business insurance. 

How Much is Business Insurance? 

Business insurance premiums vary depending on your location, industry, claims history, coverage limits, deductibles and other factors. Fill out an online quote form to find out how much you can save on business insurance. 

What Kind of Business Insurance Do I Need? 

Your business insurance needs will differ depending on the unique aspects of your business. Speak with an insurance agent about the right coverage for your business. 

Who Needs Business Insurance? 

Essentially every business needs business insurance. This insurance can protect professionals, companies and business owners in case of different risks they may face day to day.


We serve Cullman, Decatur, Priceville, Harstelle, Moulton, Madison, Huntsville, Town Creek, Courtland, Faulkville, Vinemont, Hillsboro, Athens, Rogersville, Hanceville, Arley, Addison, Eva, Union Hill, Somerville, and the surrounding communities in Northern Alabama.

Additional Resources:
Who Qualifies for a Business Owners Policy?

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Serving the Decatur, Priceville and Cullman Areas
Main Office:468 Highway 67 S. | Decatur, AL 35603
Call or Text Us: (256) 355-8500 | Fax: 256-355-8544
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