We know your business is important to you. We also know it’s important to protect you against loss. With our business and commercial insurance policies, you can enjoy:

Property coverage

Alfa’s property protection can cover your building and its contents, and it can cover your loss of income in case a loss forces your business to close temporarily. Optional coverages can protect your property in transit and can even cover someone else’s property while it is on your premises. Coverages often overlooked by business owners also can be included, such as protection for plate glass, exterior signs or mobile communication equipment.

Liability coverage

Alfa’s liability policies cover “bodily injury,” protecting you from lawsuits by people who may be injured on your premises or at your job site. We also will cover your defense costs for such suits. Medical coverage is included on all liability policies, which will pay medical bills (up to $5,000) for visitors injured on your property. Medical coverage applies without regard to legal liability; you don’t have to be sued or be negligent in any way for this coverage to apply. Alfa’s liability policies also cover “property damage” in case you damage someone else’s property. And, coverage is provided for “personal injury” and “advertising injury” protecting you from lawsuits ranging from libel and slander to false arrest.

Automobile coverage

Alfa can cover many types of cars and trucks used in your business. We can protect you from liability arising out of the use of your own cars. We can also extend coverage to include liability from non-owned, borrowed or hired vehicles. Physical damage to your own vehicles can be covered with a variety of options and deductibles. Specialized policies also are available for businesses that regularly operate customers’ cars, such as a service station or body shop.

Commercial umbrella

For businesses which require large amounts of liability protection, Alfa offers an Umbrella Policy to extend your liability limits beyond basic liability contracts.

These are the most commonly requested coverages for business and commercial policies, but there are other types of protection available for your business. Contact your local Alfa agent to get started protecting your business today.