Business insurance professionals serving South Mississippi
Insurance coverage that protects your company, so you can get back to business!
Allen & Smith Insurance knows business in our communities. As an independent insurance agency, we take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business. We’re proud members of South Mississippi’s marketplace, and we’re committed to being an advocate for you and your business in times of need. Our commitment is serving you.
Commercial & Business Insurance
Insurance coverage that helps protect your business.
- General Liability Insurance – Broad insurance coverage for your business and activities.
- Commercial Property Insurance – Protect your business with insurance for your commercial property.
- Business Auto Insurance – Cover your business with insurance for commercial vehicles.
- Commercial Umbrella Insurance – Insurance coverage that helps protect your business from the rising costs of lawsuits.
- Workers’ Compensation Insurance – Insurance coverage that helps you take care of your employees.
- Bonds – Protect your assets with financial backups for promises made by others.
Commercial Property We Cover
If you don’t see what you are looking for or have any questions, please contact us. We will be more than happy to help find a plan to fit your needs.
Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building.
Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just ask your licensed agent at Allen & Smith Insurance to review your coverage, and we’ll help you find the best solution.
Business Personal Property
Business personal property insurance covers property at a specified location for furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).
Business Income (Business Interruption Coverage)
This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster. Allen & Smith Insurance strongly recommends that all businesses acquire this coverage.