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Business

Fitts Agency, Inc. provides insurance to businesses in Tuscaloosa, Northport, Eutaw, Bessemer, Hoover, Birmingham, and surrounding areas.

No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Fitts Agency, Inc. would like to return the favor by giving you the coverage you need to ensure the security of your business.

At Fitts Agency, Inc., we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.

Liability

CRITICAL ASSURANCE FOR THE PROTECTION OF YOUR BUSINESS.

Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you’re also accountable for keeping your employees and property insured from injuries and damages. At Fitts Agency, Inc., we can help you create a policy that’s designed to safeguard the best interests of your business - so you can focus on serving your customers and increasing your profits.

Commercial General Liability from Fitts Agency, Inc. can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages from Fitts Agency, Inc. include:

  • Premises Liability
  • Products and Completed Operations
  • Premises Medical
  • Fire Legal Liability
  • Casualty Coverage

Other types of Commercial General Liability include Garagekeepers Liability and Employment Practices Liability. If you run an auto service operation, having Garagekeepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.

ADDITIONAL COMMERCIAL LIABILITY

Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.

  • Foreign Liability protects employees who travel out of the country (for business purposes) in the event of injuries, damages and lawsuits.
  • Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor - from liquor establishments to office parties/special events.
  • Concession Liability keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.

Since there are many types of liability coverages, it’s important to talk with a specialist at Fitts Agency, Inc. about the best options for your business.

Property

PROTECTION FOR YOUR BUSINESS ITSELF.

Every day, you work hard to ensure that your business stays up and running. From serving your customers and offering your products and services to providing your employees with jobs, your business is a powerhouse of activity. That’s why it’s important to make sure your commercial property is protected because accidents do happen, and the last thing you want to experience as a business owner is being out of commission and under the wrong policy.

With a custom Property Insurance policy from Fitts Agency, Inc., you can ensure that the building itself and the personal property of your business is protected from minor accidents or a major financial loss. Our insurance specialists can help you create a policy that keeps your small-to medium-size business insured from top to bottom by covering such items as:

  • Your building
  • All interior items (desks, furniture, etc.)
  • Any outdoor signs on your property
  • On-site equipment
  • Your inventory

Other items that are typically found on a Property Insurance policy can include Builder’s Risk insurance and Equipment Breakdown coverage. Builder’s Risk protects any materials or equipment from damage or loss sustained during construction or remodeling, while Equipment Breakdown, or Boiler and Machinery, keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss.

ADDITIONAL BUSINESS PROTECTION

In some cases, your business can save more by combining Property with Liability for the convenience of having your business needs met. To find out more about combining coverages, contact Fitts Agency, Inc. today.

Umbrella

EXTRA PROTECTION THAT KEEPS YOU IN BUSINESS.

As a business owner, keeping your business insured is one of the most important financial decisions you can make. But if you don’t have a sufficient amount of coverage, your current policy may not have the extra layer of protection needed for situations that can jeopardize your finances, or even your operations.

With Commercial Umbrella Insurance from Fitts Agency, Inc., you can protect your business and your assets in the event that your company gets sued in a major lawsuit.

A Commercial Umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing, or underlying, General, Auto, or other business liability policy. It can also insure an incident that occurs outside of your coverage territory.

WHAT DOES COMMERCIAL UMBRELLA INSURANCE COVER?

Major lawsuits are a result of accidents that occur either on or off the premises of your business. The following are examples of situations where Commercial Umbrella coverage can safeguard your business:

  • Accidental falls or slips on your property
  • A carbon monoxide leak in your building
  • Libel, slander, or invasion of privacy
  • If one of your products causes injury or illness
  • If a fire in your building damages other property
  • Violations of Employment Practices Liability
  • If your business vehicle is involved in an accident

HOW MUCH UMBRELLA COVERAGE IS ENOUGH?

Since lawsuits can be expensive and accidents do happen, you can never be too careful with your coverage options. That’s why at Fitts Agency, Inc., our helpful insurance experts will work with the individual needs of your business to find a level of protection that keeps you and your operations secure. Commercial Umbrella Insurance is simply an affordable coverage that can help you avoid major losses.

Protect your business personally and financially with a Commercial Umbrella policy from Fitts Agency, Inc..

Business Owners Policy

COMBINED COVERAGE FOR SPECIAL ADVANTAGES.

At Fitts Agency, Inc., we’re committed to providing insurance solutions that keep small to medium-sized businesses protected. That’s why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.

A Business Owners Policy (BOP) from Fitts Agency, Inc. allows your business to create a customized insurance policy that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs.

The proper Business Owners Policy can keep your day-to-day operations protected with options such as:

  • Products and Completed Operations
  • Premises Liability
  • Premises Medical
  • Fire Legal Liability
  • Business Income Insurance
  • Building and Personal Property Protection
  • On-Site Equipment Insurance
  • Coverage for Inventory Loss
  • Crime Insurance

FIND OUT IF YOUR BUSINESS IS ELIGIBLE

Since Business Owners Policies apply only to special types of businesses with specific needs, operations, and risks, it’s important to contact a specialist at Fitts Agency, Inc. who can help you determine whether a BOP is right for your small or medium-sized business.

Auto

PEACE OF MIND FOR BUSINESSES ON THE ROAD.

Fitts Agency, Inc. understands the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly – but accidents do happen.

To prevent losing your hard-earned revenue due to an auto accident, you’ll want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more. With Commercial Auto Insurance from Fitts Agency, Inc., we’ll work with you one-on-one to create a customized policy that may include:

  • Bodily Injury Liability
  • Medical Payments
  • Personal Injury Protection (PIP) Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • GAP Coverage
  • Uninsured and Underinsured Motorist Coverage

Additional options like Bailee Coverage are available if needed. Bailee Coverage insures property loss or damage when in your company’s care, control, or custody – for example: product protection for items on a semi or delivery truck.

Since Commercial Auto Insurance coverage varies, it’s important to discuss your business’s options with a specialist at Fitts Agency, Inc. who can help you determine the proper amount of coverage for all your commercial needs.

Auto Insurance is an essential financial decision that will keep your business covered. The next time your fleet takes the road, make sure it’s protected with Commercial Auto policy from Fitts Agency, Inc..

Personal

Insurance specialists at Fitts Agency, Inc. serve to help you coordinate an insurance program that determines the best coverage options for your needs – for benefits and quality discounts that help you save.

What does this mean for you? By combining home and auto policies, you may be eligible to receive money-saving discounts, a guaranteed full-year policy term for your car, On Your Side® insurance protection, 24-hour Customer and Claim service, and more.

Home

STRENGTH AND STABILITY FOR YOUR HOME.

Your home is your sanctuary. It’s a dependable shelter that keeps you and your family safe, and it’s the place where memories are made. For most people, a house represents the biggest financial and emotional investment they’ll ever make. With the right Property Insurance plan, you can protect your investment and your personal property from whatever life throws your way.

Every Home Insurance policy is different, and at Fitts Agency, Inc., we’ll work with you to make sure that your policy fits the needs of yourself and your family. Property Insurance may insure your home from the following types of damage:

  • Fire and Lightning
  • Collisions from Vehicles or Aircraft
  • Hail
  • Sewer/Drain Backup
  • Windstorm
  • Vandalism
  • Volcanic Eruption
  • Smoke
  • Freezing Conditions or Snow

PROPERTY INSURANCE OPTIONS TO CONSIDER

There are many additional coverage types that are available to safeguard your home and belongings, and it’s important to talk with a representative from Fitts Agency, Inc. who can help you find the right policy.

Options such as Personal Property Insurance and Flood or Earthquake Insurance may not fall under a standard Homeowners policy. In the event of an accident or theft, Personal Property can pay the actual cash value (ACV) or replacement cost of personal content items or articles like furniture, appliances, and clothing.

Other items that may be included are Builder’s Risk while your home is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your Homeowners policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.

As is the case with many other features of Home Insurance, additional coverage can vary greatly depending on your policy, which is why it’s important to discuss your individual insurance options with Fitts Agency, Inc. before making a decision.

Auto

ENSURE THAT YOU’RE INSURED.

If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered.

If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.

COMPONENTS OF LIABILITY

There are two main components to Auto Liability: Bodily Injury and Property Damage liability.

  • Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.
  • Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.

If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road.

It’s important to have enough insurance to keep all of your assets protected and not all auto policies are the same. Contact a representative with Fitts Agency, Inc. today for more information about what Liability Coverage can do for you.

Umbrella

BE READY FOR ANYTHING AND EVERYTHING.

Personal Umbrella Liability is one of the most commonly overlooked policies, but in the case of a catastrophic financial event, it could be the best line of defense you’ll ever have. If you’re involved a major auto accident or if someone gets injured on your property, you could be sued for damages well beyond the liability coverage provided by your Home and Auto Insurance policies.

In such a critical situation, having Personal Umbrella Insurance from Fitts Agency, Inc. will protect your home, car, future wages, and all of your priceless assets from being used to pay for the expenses.

COVERAGE THAT KEEPS YOU PROTECTED

Your Umbrella Liability policy from Fitts Agency, Inc. works to give you additional protection when damages exceed the liability coverage of your standard policies. It also offers extra security for many situations that may not be included in your basic insurance.

Personal Umbrella insurance can be applied to events such as:

  • Car Accidents
  • Accidental injuries on your property
  • Accidents involving your boat, ATV, or other recreational vehicle
  • Golf Course Injuries
  • Defense fees and other legal costs
  • Personal Injury Coverage for claims of libel, slander, and more

At Fitts Agency, Inc., we are committed to the safety and security of you and your family, which is why we will work with you to create a perfect policy that protects all of your interests. Since Personal Umbrella Insurance will vary depending on your individual coverage needs, it’s important to discuss your options with one of our insurance specialists before making a decision.

Boat / Recreational

CAST YOUR WORRIES ASIDE.

For most people, owning a boat can be a dream come true. Whether you’re out on the water with friends or enjoying a relaxing day of fishing, your boat provides an escape from the daily grind.

With a Boat Owners Insurance policy from Fitts Agency, Inc., you can relax and enjoy your time away knowing that you’re properly insured. We offer many coverage options to keep you, your boat, and its passengers safe, specializing in insurance for the following marine vehicles:

  • Yachts
  • Performance Boats
  • Sail Boats
  • Bass Boats
  • Jet Skis
  • WaveRunners

WHAT CAN A BOAT INSURANCE POLICY COVER?

Unfortunately, accidents happen – even on the water. A specialized Boat Insurance policy covers your boat or personal watercraft, as well as its motor against potential loss due to:

  • Vandalism
  • Collision with another boat or object
  • Theft
  • Damage caused by uninsured or underinsured boaters

Your policy also extends to protect extra equipment attached to your boat such as anchors, oars, canopies, life preservers, and fuel tanks. Coverage for fishing equipment and personal property is also available.

In addition, Liability Boat Insurance can help pay for medical expenses or legal costs if you’re at fault in a boating accident. Coverage options include:

  • Bodily Injury payments
  • Damage to another’s property
  • Medical Payments
  • Guest Passenger Liability

ADDITIONAL COVERAGE OPTIONS

At Fitts Agency, Inc., we make insuring your boat or personal watercraft easy and affordable by offering extended policy benefits like On-Water Towing and Roadside Assistance when traveling with your boat. You may also be eligible for money-saving discounts when you insure multiple watercrafts or combine your Boat and Auto policies. Even simple things like being an accident-free boater and completing a boating safety course can help you save money too.

It’s your passion, your dream. Protect that dream for years to come with the right insurance policy from Fitts Agency, Inc.. Talk with one of our local insurance specialists today to learn more about Boat Owners Insurance.

Bonds

Owning a business means taking risks. At Fitts Agency, Inc., we offer a variety of bond and license services to ensure that your business is protected. While there are many Bonds from which to choose, they can be issued for an extensively wide range of circumstances, and choosing the right bond to suit your needs can be a difficult task.

The professional and knowledgeable bond specialists at Fitts Agency, Inc. will work with you to develop a business solution to help meet all of your bonding goals. In addition to providing quality surety products, we also provide various licensing and permit services to ensure that your business runs to the letter of the law.

Surety

BACK YOUR OBLIGATIONS.

Your primary goal as a business owner is to ensure that your operations run smoothly and efficiently on a daily basis. But in special circumstances, the performance of your business may require extra attention that assures an obligee that you, the principal, are performing as promised.

At Fitts Agency, Inc., we specialize in providing bonding services that help to protect the integrity of your business. Our Surety Bond services include writing agreements that guarantee the party requesting the bond that your business will uphold its obligations.

TYPES OF SURETY BONDS

Fitts Agency, Inc. can write a variety of Surety Bonds, including:

  • Performance and Payment Bonds
  • Contractor Bonds
  • Sub-Division Bonds
  • Court Bonds
  • Conservator Bonds
  • Fidelity Bonds
  • Public Officials
  • Liquor Licenses

Since there are many types of Surety products, it’s important to discuss your options with a licensed, professional bond agent. Our underwriting services are flexible to meet your unique business needs, and we specialize in a high-degree of customer care that will ensure maximum consideration for your assets.

Contact a Bond specialist at Fitts Agency, Inc. today to keep your commercial responsibilities protected.

Miscellaneous

PROTECT YOUR BUSINESS FROM THEFT AND DISHONESTY.

As a business owner, even if you take every precaution possible to ensure the security of your business assets, theft and dishonesty can still happen. Without the right coverage, businesses can lose important data or experience major financial losses as a result of fraudulent activity.

A Fidelity Bond from Fitts Agency, Inc. can indemnify your company in the event of theft. Our coverage options range from the protection of businesses to the security of non-profit and professional organizations. With the right Fidelity Bond, you can cover your assets, including money, personal belongings, computer equipment, supplies, and more. Your business or organization can also cover any employees or volunteers.

TYPES OF FIDELITY BONDS

Fidelity Bond options from Fitts Agency, Inc. include:

ERISA Bonds - for covering any claims that involve a violation of the Employee Retirement Income Security Act (ERISA). This includes situations that range from imprudent investments to failure to enroll employees.

Employee Dishonesty Bonds - that cover fraudulent acts committed by employees on the property of your business, including theft and other violations.

Business Service Bonds - that protect against theft of a client’s or customer’s property on their premises as a result of your employee’s careless actions.

While there are other options available, it’s important discuss the needs pertaining to your business with a licensed professional. At Fitts Agency, Inc., we can provide you with the proper protection to keep your assets secure.

Life & Benefits

Insurance specialists at Fitts Agency, Inc. serve to help you coordinate an insurance program that determines the best coverage options for your needs – for benefits and quality discounts that help you save.

What does this mean for you? By combining home and auto policies, you may be eligible to receive money-saving discounts, a guaranteed full-year policy term for your car, On Your Side® insurance protection, 24-hour Customer and Claim service, and more.

Life

REASSURANCE FOR YOU AND YOUR LOVED ONES.

Fitts Agency, Inc. provides life insurance to individuals in Tuscaloosa, Northport, Eutaw, Bessemer, Hoover, Birmingham, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Fitts Agency, Inc., we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

Fitts Agency, Inc. offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Fitts Agency, Inc. is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with Fitts Agency, Inc. will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Disability

YOUR BIGGEST ASSET IS YOU

Fitts Agency, Inc. provides disability insurance to individuals in Tuscaloosa, Northport, Eutaw, Bessemer, Hoover, Birmingham, and surrounding areas.

When it comes to protecting your assets, one of the most important things you can insure isn’t a material object like your car or home – it’s your ability to work and earn a living. At Fitts Agency, Inc., we know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and can’t work, you’ll need to be protected in order to maintain your standard of living.

With disability income Insurance from Fitts Agency, Inc., you can continue to pay your bills and keep you and your family from going into serious debt. If you can’t work as a result of injury or other illness, a disability insurance policy will pay a portion of your income, usually between 50 and 70 percent.

Policies can vary greatly depending on the individual, and the duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Like life insurance, disability is purchased for a period of time, such as a two or five-year term, and benefits will only be paid if you become disabled during the term of the policy.

Choosing the right disability coverage is important. In the event you become disabled, you'll want to ensure that you and your family have enough coverage. A representative at Fitts Agency, Inc. will look at the individual factors in your life and work situation, and help design the best policy that meets your personal insurance needs.

Employment Benefits

KEEP YOUR EMPLOYEES HAPPY WITH GROUP BENEFITS

Fitts Agency, Inc. provides group benefits to businesses in Tuscaloosa, Northport, Eutaw, Bessemer, Hoover, Birmingham, and surrounding areas.

A single policy for all employees of the same company, along with their dependents, provides bottom line coverage for employers and employees alike. Under a group benefit plan, the employer or association will be issued a master policy that will be distributed to all employees working for that particular company.

Fitts Agency, Inc. proudly offers these group benefits, plus many more:

  • Group disability
  • Life & accident
  • Leave management
  • Retiree health coverage
  • Voluntary benefits

Contact a representative at Fitts Agency, Inc. to go over group benefit options for your business.

Specialties

Owning a business means taking risks. At Fitts Agency, Inc., we offer a variety of bond and license services to ensure that your business is protected. While there are many Bonds from which to choose, they can be issued for an extensively wide range of circumstances, and choosing the right bond to suit your needs can be a difficult task.

The professional and knowledgeable bond specialists at Fitts Agency, Inc. will work with you to develop a business solution to help meet all of your bonding goals. In addition to providing quality surety products, we also provide various licensing and permit services to ensure that your business runs to the letter of the law.

Construction

CONSTRUCT A PROTECTION PLAN FOR YOUR BUSINESS

Fitts Agency, Inc. provides insurance to construction businesses in Tuscaloosa, Northport, Eutaw, Bessemer, Hoover, Birmingham, and surrounding areas.

Just like any other business, your construction business needs core insurance offerings to go along with industry-specific coverage. Expensive equipment and tools, and possible injury should be taken into account when thinking about what type of coverage may be necessary in the construction industry.

Fitts Agency, Inc. coverage options for construction businesses include:

  • Liability insurance
  • Property insurance
  • Business vehicle insurance
  • Workers’ compensation
  • And much more… 

Contact an insurance specialist at Fitts Agency, Inc. today to go over these options and many more!

Farming

YOU’VE MADE IT YOUR LIVING. KEEP IT PROTECTED.

There are probably a lot of reasons for why you chose to make your living on the farm – from the independence and freedom that comes with owning your own business to knowing the value of a hard day’s work. At Fitts Agency, Inc., we’re in the business of seeing yours succeed. We know that your farm or ranch provides a valuable service to the community, and we’d like to return the favor by offering you the comprehensive protection you deserve.

A Farm Owners policy from Fitts Agency, Inc. is an all-inclusive and customizable insurance solution to secure your land, your property, and your finances against a number of inevitable situations that can arise on your farm. The basic package includes property coverage for your dwelling, personal property, and other structures, as well as the added peace of mind that comes with comprehensive liability coverage.

DWELLING

For most people, a farm is more than a place to work – it’s also where you lay your head after a long day. Under the dwelling portion of your Farm Owners policy, Fitts Agency, Inc. will help pay for damages to your home and any attached structures for all accidents and perils included in your policy.

PERSONAL PROPERTY

Your Farm Owners policy also covers losses that may arise due to the damage or theft of personal belongings such as clothing, electronics, or home appliances. Items used in daily farm operations such as machinery, automobiles, and animals are not eligible for coverage under the personal property section of your policy, as they require additional protection.

LIABILITY

Liability protection from Fitts Agency, Inc. helps pay for legal fees, medical expenses, and other losses that you may be held liable for that result from covered injuries or damage to other people’s property. Further coverage options, including employee injury liability, are available for an additional premium.

Auto Dealership

Auto dealerships have many insurance needs, including:

  • The risk of vehicles being stolen from a lot
  • Loss of inventory from natural causes (weather, disasters, etc.)
  • Damage to customers' vehicles when they're brought in for repair
  • Rental vehicles (especially those loaned to customers while their vehicle is in the shop) being damaged or destroyed

None of these costs are minor—the bill for each damaged or lost vehicle can start in the thousands of dollars and can climb rapidly from there. Auto dealership insurance offers reimbursement for these expenses when they occur, allowing you to cover your losses and continue operating your business. Many dealerships have already seen the value of this coverage when something goes wrong—especially when the problem was neither foreseeable nor preventable.

AUTO DEALERSHIP INSURANCE FEATURES

Insurance can turn a crisis into a manageable situation, allowing you to spend more time giving your business the attention it needs to thrive. Be sure to ask an Fitts Agency, Inc. agent about how much auto dealership insurance you actually need, and let us know information like:

  • How many vehicles are on display in your lot
  • What types of vehicles you sell
  • What additional services (vehicle repair, new paint jobs, etc.) your dealership offers
  • How many employees you have

Our goal is to make sure you're fully protected by the plan you choose, and our talented risk assessors can help you find threats you may not have even realized existed. Reputation is everything in the auto dealership industry, so protect yours with the confidence that comes from being fully insured.

Health Care

INSURANCE OPTIONS FOR THE HEALTHCARE INDUSTRY

Fitts Agency, Inc. provides insurance to healthcare facillities in Tuscaloosa, Northport, Eutaw, Bessemer, Hoover, Birmingham, and surrounding areas.

Healthcare facilities have very specific coverage needs. At Fitts Agency, Inc., we will work with you to create a protection plan that fits the needs of your facility; from hospitals and clinics, to long-term care facilities and nonprofit organizations, we’ve got you covered!

Here are some our coverage options for healthcare facilities:

  • Property coverage
  • General liability
  • Professional liability
  • Umbrella coverage
  • Workers’ compensation

Whatever your needs, Fitts Agency, Inc. will help make sure your insurance policy is right for your business. Contact a representative today to schedule a consultation!

 

PRACTICAL INSURANCE OPTIONS FOR THE HEALTHCARE INDUSTRY

Fitts Agency, Inc. provides insurance to healthcare practices in Tuscaloosa, Northport, Eutaw, Bessemer, Hoover, Birmingham, and surrounding areas.

From physicians and dentists, to pharmacists and physical therapists, Fitts Agency, Inc. provides numerous insurance options to a wide range of healthcare practices. We understand that, as a healthcare practitioner, you need the piece of mind that comes with knowing your business is covered so you can concentrate on providing quality service and care to your patients.

Check out some of our coverage options for healthcare practices below:

  • General liability
  • Professional liability
  • Medical malpractice insurance
  • Umbrella coverage
  • Workers’ compensation

Call today to set up a consultation with a representative from Fitts Agency, Inc., and we’ll help you go over all the possible insurance options for your healthcare practice.

Church

All modern businesses require some form of insurance related to their specialized industry, and non-profit businesses are not different. Just because your company isn't focused on making profits does not mean it doesn’t require business insurance. In fact, non-profit companies can face unique risks. As noted by Risk Management, many nonprofits lack Directors and Officers Liability Insurance, which helps protect board members from personal liability if a lawsuit is brought against the non-profit.

Board members aren't the only ones at risk. If your non-profit's funds are drained, it can be hard to continue your normal operations until you can acquire more funding. Donors may be hesitant to continue supporting any non-profit that's fallen into legal or financial trouble.

NOT-PROFIT INSURANCE FEATURES

Common choices for non-profit insurance coverage include:

  • Property Insurance: Whether a non-profit owns or leases the property it uses, the property itself often plays a vital role in the non-profit’s operation. Damaged or destroyed property could prove catastrophic for a non-profit’s operations.
  • Fidelity Insurance: Unfortunately, some employees take advantage of their position and embezzle funds. This part of non-profit insurance provides coverage in the event of such losses.
  • Commercial Auto Insurance: For non-profits that rely on vehicles to transport goods or employees, ask about commercial auto insurance coverage, freight, and/or cargo insurance for businesses that transport high volumes of goods.
  • Accident Insurance: Many non-profits work closely helping people in their communities. Unfortunately, both employees and customers can be vulnerable to falls and other injuries. It's important to have coverage in the event that they're hurt.

This list is not exhaustive. Just like for-profit businesses, non-profits can engage in many different types of work. There is no single policy that's capable of covering every area of concern. Before buying any kind of non-profit insurance, talk to a Fitts Agency, Inc. agent about what your organization does, where it operates, and what sort of risks you might be exposed to. We'll work with you to find the best possible plan for your needs and your budget.

REQUIREMENTS FOR NON PROFITS

Before you're offered coverage, you may be asked to provide some of your records. This may include a list of any legal claims your organization has faced in the past and any hazardous behaviors the company engages in (no matter how charitable those behaviors are). This helps with our risk-assessment process and ensures that the policies we offer are enough to protect your organization in the event that one or more of them is needed.

 

1. Trefry, John. "Nonprofit Management Faces Liability Risks." Risk Management. September 1, 2014. Accessed April 14, 2016. http://www.rmmagazine.com/2014/09/01/nonprofit-management-faces-liability-risks/.