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Business Coverages

Protecting Your Business is Our Business!

Business Insurance Coverages | Alfa Insurance

Business insurance with Alfa® offers coverage for property, liability and automobiles. Just as there are many different types of business owners, there are different types of insurance coverages for businesses. Your policy can be tailored to your specific needs, or you can select a business owners policy, also known at BOP insurance, which is a comprehensive package that includes the commercial insurance coverage most commonly requested by business owners.

Business Owners Policy

Ideal for small- and medium-sized businesses, Alfa’s business owner policies combine property, business income and liability insurance into a single, convenient policy. Property insurance covers buildings, business income and business personal property covers such things as inventory, furniture and fixtures, while liability insurance covers slips, falls and damages caused to others’ property. Customers also have the option to extend their policies to include specialized coverages ranging from professional liability and liquor liability to data breaches.

Property Coverage

Alfa’s commercial property protection can cover your building and its contents, and it can cover your loss of income if you’re forced to close your business temporarily. You can select optional coverage to protect your property in transit and cover someone else’s property while it is on your premises. We also offer you the option to select coverage often overlooked by business owners, including protection for plate glass, exterior signs or mobile communication equipment.

Liability Coverage

Alfa’s business liability insurance covers “bodily injury,” protecting you from lawsuits by people who may be injured on your premises or at your job site. We also cover your defense costs for such suits. Medical coverage is included on all liability policies and will pay medical bills (up to $5,000) for visitors injured on your property. Medical coverage applies even if you aren’t sued or found to be negligent in any way. Alfa’s liability policies also cover property damage in case you damage someone else’s property. Coverage is also provided for personal injury and advertising injury, protecting you from lawsuits ranging from libel and slander to false arrest.

Automobile Coverage

Alfa’s commercial auto insurance covers many types of vehicles used in your business, as well as protecting you from liability when using your own vehicle. Coverage can also include an option to protect you from liability with non-owned, borrowed or hired vehicles. Physical damage to your own vehicle can be covered with a variety of options and deductibles. Specialized policies also are available for businesses that regularly operate customers’ vehicles, such as a service station or body shop.

Commercial Umbrella

Alfa offers umbrella insurance to extend your liability limits beyond basic liability contracts for businesses which require large amounts of liability protection. In addition, we offer other types of protection for your business. Your dream can be further protected with a business umbrella policy.

Workers’ Compensation

Workers’ compensation serves to protect your business, as well as your employees. In most states, businesses are required to carry a workers’ compensation insurance policy, which provides medical treatment, both temporary and permanent, and death benefits for employees. Workers’ compensation can also protect your business from legal exposures. Alfa agents can write workers’ compensation policies through Alfa Agency, Inc. and its group of insurers.

*This is not an insurance policy. It provides only a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions. All coverages are subject to the limits of the policy.

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