Our experienced staff at Conour Insurance, Inc. has been serving the needs of many of our business insurance clients for over 25 years. We focus on the commercial property & casualty insurance and risk management needs of a wide variety of businesses, including Alabama-based businesses. Our focus on business insurance means that we are in touch with the business insurance environment and we understand the unique challenges that all businesses face each day. If you are looking for business insurance, you may complete our on-line quote form to request a contact to discuss your business insurance needs. We can typically provide a business insurance quote for virtually any business but we have found the most effective approach and the one that serves the best interests of our business insurance clients is for us to provide a thorough evaluation of your operations & work with you to assess your business insurance needs. Although our primary focus is on Alabama-based companies, we are not limited strictly to Alabama operations and serve many companies with multi-state operations.
We offer commercial insurance packages that provide excellent protection for our Commercial Insurance Clients and include business property and business liability exposures. Our companies offer business insurance programs for many different types of businesses. Whether you are a Contractor, Manufacturer, Bank, Credit Union or Other Financial Institution, Wholesale Distributor, Restaurant, Accountant, Law Firm, Architect or other Professional Services Provider, whether it is insurance for your property, (including building and/or contents or other business property), equipment, inventory or autos, company vehicles, surety and fidelity bonds or other special requests, we offer products and services that provide protection and security to you and your business. In addition, we can also assist you with group benefits and retirement plans from the highest rated and most financially sound companies in the marketplace.
Commercial Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
Property Insurance may cover two types of property losses:
Commercial General Liability Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties. If you are a business owner or business, you are exposed to liability regardless of the presence of negligence on your part. Todays legal environment seems to have fostered a barrage of frivolous lawsuits creating unacceptable and unwelcome liability to businesses and their owners/shareholders.
With so much at stake, you need an experienced team behind you to assist in the identification of exposures to loss, a team that can then work with you to design a comprehensive set of solutions (including both insurance and non-insurance solutions) and finally, the ability to implement those solutions and the commitment to assist you in monitoring them.
Typical General Liablity Policies provide coverage for liability arising out of:
You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.
Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan that’s right for you and your business.
A representative can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.