Business Owner Insurance

As the owner of a small- or mid-sized business, you’ve worked hard to establish your services and build a solid reputation. So don’t let disaster, vandalism or even accidental injury on your property threaten a devastating setback to your operations.

A business owner insurance policy is a special type of commercial insurance, designed to provide another necessary layer of protection for small- and mid-sized business ventures. These policies bundle general liability and property insurance together, often yielding a cost savings over purchasing them as separate coverages.

Standard business owner policies protect against the following:

• Damage to owned or rented buildings, additions, in-progress additions and outdoor fixtures caused by fire, wind damage, vandalism, theft, etc.
• Loss of income due to a fire or other catastrophe that interrupts business operations, as well as the extra expense of operating out of a temporary location
• Bodily injury or property damage caused to others as a result of defective products, faulty installations and errors in service provided

Additional specialized coverage may be needed depending on the types of risk your business may face. The First Baldwin Insurance team can further assist business owners with securing these options tailored to meet their unique requirements.

First Baldwin Insurance offers Business Owner Insurance to businesses across the Gulf Coast in the cities Foley, Orange Beach, Gulf Shores, Fairhope, Daphne, Silverhill, Spanish Fort and Mobile, Alabama.