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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.

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.

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..

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.

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..

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.

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.

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!

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 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.

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.

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/.