August 28, 2026
AgencyHurricane Season Checklist: Protecting Your Vehicles, Boats and RVs in South Alabama
Owning a vehicle, boat or RV in means planning for hurricane season. Storms often give little notice, and the right coverage plus some prep work makes recovery a lot easier. Use this checklist to see what to handle now and what to ask your agent about before the season picks up. Review Your Coverage Before the Season Starts Pull out your […]
July 30, 2026
AgencyDo You Need Separate Insurance for Your Boat on Olin Bay vs. Open Gulf Waters?
For many boat owners, the appeal of coastal living lies in the flexibility to move between calm, protected waters and the open expanse of the Gulf. Insurers typically define a specific geographic area, known as the navigational limit, within which your vessel is covered. These limits are established based on a variety of risk factors, including wave height, weather […]
June 15, 2026
AgencyDoes Commercial Auto Insurance Cover a Vehicle That’s Parked Overnight at an Employee’s Home?
If your business allows employees to take company vehicles home at night, you may be wondering whether your commercial auto coverage applies when the car is sitting in someone else’s driveway. While it typically does, the details matter, and gaps in coverage can be a concern. How Commercial Auto Insurance Applies to Parked Vehicles Commercial auto insurance generally follows the vehicle, not its location. […]
May 27, 2026
AgencyDoes Motorcycle Insurance Cover Passengers in Alabama?
Motorcycle riders in Alabama often assume their insurance automatically protects anyone riding with them. Whether your passengers have coverage for their accident-related injuries depends on the coverage you choose. What Alabama Law Requires Alabama requires motorcycle owners to carry minimum liability limits, which pay for injuries and property damage you cause to others. Because Alabama is an at‑fault state, these minimum limits do not automatically cover […]
April 27, 2026
AgencyWhat Evidence Do You Need to Support a General Liability Claim?
When something goes wrong on your property or during your operations, the first challenge is often figuring out what information your insurer will expect. A general liability claim relies heavily on clear evidence, and the quality of that evidence can influence how quickly the claim moves and how it is evaluated. Alabama businesses that gather the right documentation […]
March 27, 2026
AgencyHow General Liability Insurance Strengthens Your Commercial Insurance Plan
General liability insurance addresses some of the most common risks businesses encounter. It responds to claims involving third-party injuries, property damage, and certain types of personal or advertising injury. For many Alabama businesses, general liability is the first line of defense against costly claims. Without it, even a minor incident could lead to significant financial consequences. How […]
January 30, 2026
AgencyRenters Insurance Cover Theft Outside Your Home in Alabama?
Renters insurance includes personal property coverage, which can help replace your belongings after covered incidents such as fire, vandalism, and theft. This coverage usually extends beyond your rental unit and is known as off-premises coverage. Examples of situations that may be covered include: Items stolen from your vehicle A laptop taken from a coffee shop Luggage stolen while traveling A bicycle stolen from a […]
December 23, 2025
AgencyIs Renters Insurance Required by Law or by Your Lease?
For many renters in Alabama, the question of whether renters insurance is required can be confusing. While state law does not mandate renters insurance, your lease agreement may. Lease and Landlord Requirements Even though Alabama law doesn’t require renters insurance, your landlord may require it as part of your lease agreement. Many property owners want tenants to carry renters insurance to reduce liability and ensure that renters can cover […]
October 18, 2025
AgencyDo You Need Boat Insurance for a Small Fishing Boat or Kayak?
If you enjoy spending time on Alabama’s lakes, rivers or coastal waters with a small fishing boat or kayak, you may wonder whether boat insurance is necessary. Alabama does not require boat insurance for most small watercraft, including fishing boats and kayaks. However, you may be asked to carry specific coverage if you finance your […]
September 15, 2025
AgencyUnderstanding Liability Coverage: What Happens if You Hit Another Vessel?
Accidents on the water are often a boat owner’s worst nightmare. In addition to worrying about the possible damage to your own vessel, you also might need to account for other parties’ losses, such as if you crash into someone else’s watercraft. Given the potentially catastrophic consequences of boat collisions, understanding and acquiring appropriate boat […]