Albritton Insurance Services, LLC

INSURANCE IS THE LANGUAGE OF THE PRACTICAL LIFE

Personal Lines

Automobile

Compulsory Auto Policy Coverage:

  • Bodily injury to others
  • Personal injury protection
  • Bodily injury caused by uninsured auto
  • Damage to someone else's property

Optional Coverage

  • Optional Bodily Injury to Others
  • Medical payments
  • Collision
  • Comprehensive
  • Substitute transportation
  • Towing & labor
  • Bodily injury caused by an under-insured auto

Boat

Types of Watercraft

  • Boat
  • Personal watercraft - under 16 feet (Ski-doos, wave runner, etc. 

Coverage Available

  • Boat liability
  • Medical payments
  • On-water towing
  • Property damage
  • Uninsured/under-insured watercraft
  • Physical damage
  • Trailer

Homeowners

Basic Protection You Need For

  • Your home
  • Other buildings or structures on your property
  • Your personal belongings (Furniture, clothing, appliances, etc.)
  • Additional living expenses
  • Your personal legal liability

Special Features You Can Choose

  • Home replacement coverage
  • Replacement cost on contents
  • Additional coverage form


Commercial Lines

Property Insurance

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:

  • Direct losses may be covered when property is lost, stolen, damaged, or destroyed.
  • Indirect or consequential losses related to direct losses may also be covered.

Business Auto

Business Auto coverage insures vehicles that are owned, leased, hired, or borrowed by businesses, whether they are associations, corporations, partnerships, or a sole proprietorship. Business Auto coverage may be used to insure private passenger automobiles and all types of trucks, trailers, semi trailers, and commercial vehicles designed for use on public roads. We can give you more details about specific coverages, deductibles, and tailoring a Business Auto plan that is right for you and your business.

Workers' Compensation

Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.


Workers' Compensation provides for the payment of four types of benefits:

  • Medical Benefits
  • Income Benefits
  • Death Benefits
  • Rehabilitation Benefits

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.

General Liability

Casualty insurance consists primarily of liability coverage, which protects an insured party against injury or damage claims made by other parties.


Policies provide coverage for liability arising out of:

  • Premises and Operation
  • Fire Damage Liability (damage by fire to premises rented to insured)
  • Personal and Advertising Injury
  • Medical Payments
  • Products/Completed Operations

You may want to consider a Business Owners Package, which combines your liability, property, and other types of coverage into one comprehensive policy. This can help you save time and money on your total insurance program. Also, 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 such plans and if they would make sense for you and your business

Want to find out more?

Life & Health

Life

Life insurance may also be used to help ensure that a family business will pass to your intended survivor. There are also benefits to certain types of life insurance plans during your lifetime.  

  • Term
  • Whole
  • Universal
  • Variable (Life & Annuities)
  • Annuities

Health

Our Benefits Include:

  • Group Health
  • Short Term Health
  • Dental
  • Vision
  • Individual & Group Worksite Products
  • Payroll Deduction Programs
  • Medicare Supplements
  • Trip/Accident Coverage


Have more questions?