Whether you've set up shop in a big city like Birmingham or a small town like Gadsden, Alabama is a fantastic place to have an information technology business. Service industries, such as health care, law and engineering, constitute the biggest contributors to the state's gross product output and form a large client base for IT companies to serve. Protect your IT business with appropriate commercial insurance—including workers' compensation and professional and general liability coverage—and get a great price, access to top-rated carriers, and excellent customer service from TechInsurance.
Thanks to its coastal location, Alabama has seen more than its share of hurricanes. If you're doing business here, you're well aware of how much costly damage they can cause. After Katrina, for example, FEMA paid more than $278 million in claims. So if you're in business in Alabama, be sure you have insurance to protect against storm-related property damage. Business interruption coverage is also a wise investment, as it can ensure continued income even if your IT business is shut down temporarily due to a covered property loss. For details, contact a TechInsurance agent.
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If you're looking for any of the following types of insurance, we've got you covered:
Business Liability Insurance Package Policy. You may have heard this type of coverage called a "BOP," or Business Owner's Policy. This policy packages general liability insurance with property coverage at one affordable rate, giving you protection if a client should be accidentally injured at your location or if one of your employees causes property damage or bodily injury at a client's site.
Professional Liability Insurance. Commonly called "errors and omissions" or "E&O" insurance, this type of coverage protects you if your client should claim that mistakes, negligence or omissions you make on the job caused the client a financial loss. For professional services companies such as IT businesses, this is one type of insurance you shouldn't work without.
Workers Compensation Insurance. Many states require companies with employees to carry workers' comp insurance, which pays for medical care and disability coverage for your employees if they should suffer a work-related illness or injury.
Employment Practices Liability Insurance. If you have employees, you need EPLI. This type of insurance protects you in the event that one of your employees claims an employment practice violation, such as sexual harassment; wrongful termination; or gender, race or age discrimination.