The most common commercial insurance types include everything from property to liability, workers’ compensation, and more. Each type of commercial insurance serves a purpose for Fort Payne, AL companies. Attain Insurance is in a position to help you grasp where each can assist in protecting your company.  

• Liability Insurance – One of the first and most common types of commercial insurance is liability insurance. Liability insurance will cover any type of accident that takes place while on the job.  
• Business Interruption – Business interruption insurance is critical as a commercial insurance offering as it protects against any income lost due to an unforeseen event. If weather, for example, were to stop your business from being able to operate, this coverage would come into play.
• Commercial Property Insurance – Commercial property insurance will help provide commercial insurance coverage for any type of loss that strikes your property. Your organization may own property, but what if there is a loss to that property? This is where property insurance comes into play.
• Auto and Workers’ Compensation Insurance – You want to protect your employees. If your employees suffer an injury while on the job or get in an auto accident while on the road in a company vehicle or a work trip, these policies could kick in. You want coverage and protection for your employees, and auto and workers’ compensation insurance provide just that.

Alabama businesses are all looking for growth, profitability, and success. Commercial insurance is a key cog in that wheel, protecting the organization while it operates at peak efficiency and effectiveness. Attain Insurance can help you understand the finer details of the most common types of commercial insurance. Contact our office in Fort Payne, AL for more information on how you can get started.

If you are a resident of the Fort Payne, AL area, you will likely know that there are a lot of great places to explore all over the state. When looking for a way to enjoy it all, having an RV can be a great option. Being an RV owner gives you a place to sleep when not on the road and a safe mode of transportation. If you get an RV, you should also have the right insurance for it. This coverage is vital for various reasons. 

Ensures your RV is Covered

An important reason to get RV insurance is to ensure your RV is protected against incidents on and off the road. An RV is a significant asset and investment; protecting it as well as possible should be a priority. An RV insurance plan will give the coverage needed to ensure you can repair or replace the RV if you incur a covered loss. This would help you financially in the long run.

Reduce Liability Risks

RV owners need to be aware that they take on a unique set of liability risks that almost combine those faced by auto and homeowners. Due to this, having the proper insurance to mitigate it is very important. If you are insured with an RV insurance plan, you will get the coverage necessary to reduce your liability risks. 

When you are looking for an RV insurance plan in the Fort Payne, AL area, it would be wise to call someone that you can trust, and that has experience with this type of insurance. The team with Attain Insurance can provide any of the support that is necessary for this situation. Attain Insurance works hard to ensure they understand your insurance needs and provide guidance when building your policy. 

Flood insurance can save your property on a rainy day, literally. Floods can result in significant damage, which can harm your finances significantly. But wait! Won’t home insurance cover the damage? We are sorry. Standard home insurance doesn’t cover flood damage, leaving you to cover such damage out-of-pocket.

Now that you need flood insurance in Fort Payne, AL to protect your home from floods, do you know about flood insurance exclusions? Like most insurance policies, flood insurance has exclusions and limitations. Attain Insurance takes you through common risks not covered by your flood insurance policy.

Loss of use

Home insurance will likely cover additional living expenses if a covered loss makes your home unlivable. However, this might not be a perk of standard flood insurance, especially if purchased through the National Flood Insurance Program (NFIP). Please consult your insurance agent to determine whether "loss of use" is covered.

Self-propelled assets

Your self-propelled assets, like your vehicle and aircraft, are unlikely to be covered by your home’s flood insurance policy. When flooding damages your vehicle or aircraft, you must claim the damage from your auto or aircraft insurer.

Outdoor property

Flood insurance covers your main dwelling. As such, flood insurance may not protect your fence, swimming pool, and shed. However, you can consult your flood insurance provider to find out what properties are excluded.

Internal floods

Has your house flooded because of a faulty tap or leaky pipe? Flood insurance won’t cover the resulting damage. You will have to file a claim with your home insurance provider.

Earth movement

Flood insurance won’t cover the damage to your house if sinkholes or earthquakes cause it, even if the cause of the earth’s movement is floods. You will have to seek compensation from your earthquake insurance for such damage.

Want to learn more about flood insurance? Want to purchase flood insurance in Fort Payne, AL? Please get in touch with Attain Insurance for all your flood insurance solutions.

Attain Insurance is here for the greater Fort Payne, AL area. If you have questions about insurance, we are here to answer them. Our team understands that classic cars represent a significant investment. We can help you find an insurance policy that provides appropriate protection. Contact us today to learn more!

Protect your classic car wherever it is

Did you know that your insurance needs can sometimes differ depending on where your classic car is stored? Some policies provide different protection depending on whether your classic car is kept at your home or housed at an off-site storage unit. 

There can be possible gaps in protection if your policy is not geared toward the actualities of your life. Make sure that your classic car is protected wherever you choose to store it. An experienced agent can help you determine which policy is right for you based on this type of specific detail.

Other considerations affecting your insurance are how often and how far you drive the vehicle. If your classic car remains in storage most of the time and comes out when you travel to classic car shows, your insurance needs could differ from someone who likes to take their classic vehicle on weekly drives. However you use your car, be sure it is well protected with an appropriate classic car policy. 

Make sure your classic car has the proper protection

Fort Payne, AL residents can turn to the Attain Insurance team for all their insurance needs. If you want to review your classic car insurance policy to ensure it provides the protection you want, we are here to help. Give us a call or stop by our office today. 

Attain Insurance wants to take the mystery out of life insurance. There are many misconceptions about how life insurance premiums are calculated. While this can lead to confusion, Attain Insurance strives to simplify the process. 

While there are many factors to consider, our agency wants to share five common demographic indicators that impact life insurance.

Policy type

Term limits and policy length directly influence premiums and payouts the most. Because of guaranteed death benefits, permanent life insurance policies are more expensive than term life.

Age

Life insurance costs more as you age. Younger individuals are expected to live longer, which means more time to pay for premiums. That’s why it’s essential to lock in rates early. 

Gender

Also, due to longer life expectancies, women typically pay lower rates when compared to men. On average, women in the U.S. live five years longer.

Medical History

Insurers will screen for any medical red flags. Pre-existing conditions or chronic diseases will increase premiums. Or, these ailments could disqualify you from coverage altogether.

Family History

It’s not just your medical history that will be examined. Even if you are currently healthy, a pattern of illness in your family can produce the same results. Underwriters must evaluate the likelihood of you developing these same problems later in life.

Lifestyle

Some jobs carry added danger. But insurers will look at how you spend your free time too. High-risk hobbies and behaviors will be reviewed. While this is a broad category, this includes your financial history, criminal record, overseas travel, tobacco use, or even your driving record.

Find an agent serving Fort Payne, AL.

Attain Insurance is more than just a great resource. In addition to this helpful information, their experienced agents can provide a personalized life insurance policy. Schedule an appointment today.

Social media sites are an essential tool for promoting your business and brand. However, this can also be dangerous if you don’t know how to respond when people post negative comments about you. You probably think that there’s nothing you can do about it, but think again. Here is your guide to handling online slander, brought to you by Attain Insurance of Fort Payne, AL.

Stay Calm

This simple but essential step will help you deal with defamation. You should never engage with fury or upset when you receive negative comments about your business online. This is highly unprofessional, and if you get caught up in the moment, you may respond in a way that causes more harm than good to your brand.

Create a Response Plan

You want to be ready to respond. If you’re caught off guard, it’s easy to say something you regret. So, write out a response plan. In your project, you want to consider how you will respond to the comment. Be as specific as possible. Think about what you’re going to say. Write it down. Read it a few times and even ask someone you trust what they think about the tone of your reply. Hopefully, you’ll be able to work things out with some collected, professional engagement. If not…

Seek Legal Counsel

Sometimes you can’t save your reputation on your own. In these cases, you’ll want to hire an attorney specializing in defamation cases. They will be able to help you file a lawsuit. If you win, the court will order that the defamatory comments be removed and that you receive compensation for your losses.

Paying For Court

Litigation is a time-and-money severe concern. In the course of business, it’s sometimes unavoidable. That’s where commercial insurance can help. Commercial insurance can help protect you from the cost of a lawsuit. If you’re a Fort Payne, AL business owner, contact Attain Insurance to learn more!