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Home Insurance, Commercial Insurance in Orange Beach, Gulf Shores, Penscola

Products

SSIA offers coverage for almost every need – personal to business, we have options to help keep you and your family protected. Click on a link below to learn more about each product offering.

Serving Alabama, Mississippi, Florida, South Carolina & Tennessee.

Homeowners Insurance is made easy with SSIA. If you’re like most Americans, your home is probably your most valuable possession.  Obtaining a replacement cost homeowner’s policy from a financially stable firm will ensure that you are properly protected.  SSIA represents a multitude of reputable insurance carriers who offer competitive rates and comprehensive coverage.  As an independent agency, our loyalty lies with our clients. Therefore we shop the available markets on your behalf to help determine which company and policy is best suited for your needs.

In life and in insurance, you typically get what you pay for, so be diligent in your efforts to find a professional willing to discuss your policy and coverage in detail.  Whether it’s a new purchase, or you’re just shopping for a better rate and coverage, contact us today so that we can discuss your options.

Did you know that there are more than 120,000 accidents in the state of Alabama each year? Even the safest drivers can fall victim to another’s mistakes, so be sure you carry an auto insurance policy that will appropriately protect you and your assets in the event of an accident.  After all, it’s the law now…

The new Alabama Mandatory Liability Insurance Law – Chapter 7A, title 32 Code of Alabama states that, “No person shall operate, register, or maintain registration of a motor vehicle designed to be used on a public highway unless it is covered by a liability policy.”

As an owner or operator convicted of a mandatory liability insurance violation, you may be fined by law enforcement as follows:

  • Penalties for first violation – up to $500
  • Second of subsequent violations- up to $1,000 and/or a six month license suspension

In addition to the above violation, if a vehicle is registered or operates without liability insurance, the vehicle registration will be suspended and the vehicle owner will be subject to the following:

  • First violation – $200
  • Second or subsequent violations- $400 reinstatement fee and a mandatory four month registration suspension

Do you like having fun in the sun? Hey, we get it!  We have an office full of boating enthusiasts. Our boat insurance polices come with plenty of options for specialized coverage such as Roadside Assistance, On-Water Towing, Total Replacement, and more. We can help provide coverage for jet boats, commercial fishermen, personal watercraft, houseboats, and other watercraft.

Contact us today to speak with one of our professionals about protecting your automobile or watercraft.

Whether you own one rental home or several hundred, we can help you with your all your rental insurance needs. While being a landlord can be financially rewarding, it also creates exposures that must be insured against. Our landlord insurance policies can help to protect your property, reimburse you for any ensuing lost rents as a result of property damage, and legal liability that may arise from a lawsuit.

Rental property insurance typically includes protection for the Building, Other Structures, Personal Property on the Premise, Loss of Income/Rents, Personal Liability, and Medical Payments.

Please contact us today to speak with one of our insurance professionals about properly protecting your rental property from the many exposures that exist.

We service the entire Alabama and Mississippi Gulf Coast including rental insurance in Gulf Shores, Orange Beach, Fort Morgan, Ono Island, Daphne, Fairhope, Spanish Fort, Mobile, Theodore, Dauphin Island, Pensacola and Pensacola Beach, Perdido Key, Gulf Breeze, Biloxi, Gulf Port and Bay St. Louis.

Quick, easy, and competitively priced. Sound too good to be true? At SSIA, it’s not. We have partnered up with the areas leading Condo Insurance Carriers to provide you the service you deserve.

Condo insurance policies (often called HO6 policies) can offer protection for your Condo Unit, Personal Property, Loss of Use/Rents, Personal Liability, and Loss Assessment. Condo insurance policies are different from homeowner’s policies as they are specifically designed for a condo unit owners to primarily cover the personal property within the unit. Condo insurance policies usually include coverage for fire, lightening, theft, wind, hail, vandalism.

Most condo associations have master policies that cover the building and common areas; however, they do not cover your personal property, legal liability, and improvements made to your unit beyond original construction. In some cases, association policies simply cover the exterior structure of the building and will not repair or replace damage to the interior of your unit such as sheet-rock, flooring, counter-tops, and cabinets.

All policies are not created equal, call today to go with one of the areas leading insures for Condo Insurance for individual Unit Owners Coverage. Competitive proposals available in a matter of minutes. Closing today? No Problem. Call or stop by our office on your way down. We are conveniently located across from Old Time Pottery in south Foley, AL.

Condo Insurance Unit Owners Discounts

10% Discount for Units with Storm Shutters
Discount for removal of flood coverage
New Construction Discounts
Superior Construction discounts

Contact us today to speak with one of our helpful staff about HO6 insurance for your condo unit.

We service the entire Alabama and Mississippi Gulf Coast including Gulf Shores, Orange Beach, Fort Morgan, Ono Island, Daphne, Fairhope, Spanish Fort, Mobile, Theodore, Dauphin Island, Pensacola and Pensacola Beach, Perdido Key, Gulf Breeze, Biloxi, Gulfport and Bay St. Louis.

**Call our friendly and helpful staff today for a quick fix for all of your condo insurance needs.(251) 923-4463

Did you know that every property in Mobile and Baldwin counties is located in a flood zone? Therefore everyone could use flood insurance. Some flood zones are considered hazardous, while others are considered non-hazardous. Regardless of the flood zone, your property is susceptible to flooding and we can provide coverage for you. SSIA offers primary and excess flood coverage in areas where the National Flood Insurance Program (NFIP) is available. These rates are subsidized by the federal government and are usually very affordable.

In some areas, flood insurance through the National Flood Insurance Program (NFIP) is not available. These areas are known colloquially as COBRA Zones, CBRA (Coastal Barrier Resource Area) zones, or OPA (Otherwise Protected Area) zones. SSIA is, however, able to provide primary flood insurance through carriers within the private market in areas where NFIP coverage is not available. By packaging flood coverage with a Replacement Cost Homeowner’s or Dwelling Policy, we can help protect your assets in these areas.

Click here to access important, user-friendly flood tools – including mapping your property risk!

Builder’s Risk Insurance is important no matter how large or small your construction or renovation project. A Builder’s Risk Insurance product from SSIA can help protect your investment during construction. Builder’s Risk Insurance coverage is a special type of property coverage, which indemnifies buildings while they are under construction. With a variety of carriers specializing in providing such coverage, some of which also include personal liability, SSIA will be able to provide a product that suits your needs.

Life & Disability insurance provides protection for those who depend on you financially. The funds provided can be used to cover debts, pay your mortgage, fund your child’s education, and much more. Gain peace of mind today by obtaining a Life and Disability policy and knowing that you’ve protected those that matter most.

The two most common types of life insurance are Term Life Insurance and Whole Life Insurance. Term life offers simple and affordable coverage for a set period of time. Whole life offers coverage for your lifetime with the potential to build equity in the form of cash value. Typically a combination of the two can help people reach their short and long term goals.

Contact us today and let our technology do the work. All we typically need is your height, weight, age, sex, and requested limits in order to get an indication from more than thirty different companies in a matter of minutes.

Click here to get an instant life insurance quote and apply online!

Have you noticed how litigious our society has become? Are you at risk? Are your insurance liability limits sufficient to protect your assets and future earnings in the event of litigation? In record numbers, people are awarded larger summary judgments than ever before.

We highly recommend looking into a Personal Excess Liability policy, commonly referred to as an Umbrella Policy. This policy is an extra layer of liability coverage over and above the primary coverage you have for your home, condo, automobile, boat, or any other asset you may have insured. Should you be held accountable for damages or injuries, and your primary policy liability limits are exhausted, an umbrella can help save you from a financial catastrophe, often for less than a dollar a day.

An Example of How Effective an Umbrella Policy can be…

A group of teenagers are drinking alcohol one night at the beach and then decide to hop a neighbor’s fence and jump into the pool. One of the teens jumps headfirst into the pool while impaired and breaks his neck. Although the pool owners were not present, their homeowner’s policy paid $300,000, and their umbrella paid $1,000,000. By making the decision to purchase the $150 umbrella policy, the pool owners saved themselves from bankruptcy. How much can you afford to lose?

An umbrella insurance proposal from SSIA is easy, fast, and just a phone call away. Please contact us to receive a free, personalized, no obligation proposal for your assets.

SSIA offers competitively priced insurance policies that provide coverage for your fine art, antiques, jewelry, wine, and musical instruments collections. We will work with you to protect these items and obtain an insurance policy designed to provide you peace of mind for your prized possessions.

Coverage can include:

Itemized coverage for each item as well as pairs, sets, and collections
Protection against breakage of fragile items
Worldwide protection
Replacement at full value

Discounts are available for items kept in safes, safety deposit boxes, and homes with protection devices.

Schedules and limits are available up to $25,000,000.

Please contact us today to see how SSIA can help protect your valuable possessions.

Is your current insurer charging you too much for wind insurance? If so, it is time to contact SSIA as we have access to multiple carriers specializing in providing replacement cost wind and hail insurance coverage at competitive prices. Nearly ninety percent of the people who contact us with an existing AIUA (Alabama Insurance Underwriting Association) policy end up obtaining more comprehensive coverage for similar or better pricing through an alternative carrier.

Many people don’t realize that wind insurance is not already an included coverage on their existing policy – so make sure you are covered in the event of a storm.

Being located in a coastal county exposes your property and assets to the threat of catastrophic wind and hail events. While coverage for such is often expensive, wind insurance is a must for anyone seeking a comprehensive asset protection plan. Please contact us today so that we can shop the available wind and hail markets on your behalf.

You can purchase Wind Insurance from SSIA in the following communities – Gulf Shores, Orange Beach, Fort Morgan, Ono Island, Fairhope, Montrose, Spanish Fort, Daphne, Foley, Lillian, Mobile, Theodore, Dauphin Island, Biloxi, Gulfport, Pascagoula and Ocean Springs, MS.

Business owner’s purchase general liability insurance to cover legal hassles due to accidents, injuries, and claims arising out of negligence. General Liability insurance policies protect against bodily injury, property damage, medical expenses, libel, slander, the cost of defense, and settlement bonds. They can also cover the premises and operations exposures arising out of the location of the business as well as damage from defective products or operations performed. Other related coverages may also fall under general liability insurance.

Coverage amounts are typically expressed in terms of $1,000,000 increments and form the corner stone of any business asset protection plan. Make sure you have what you need today. Contact us today so that we can help you obtain a General Liability policy for your business.

While you look after your organization, who looks after you? As an officer or director of an organization you have an exposure and your personal assets may be exposed. Directors and Officers owe a duty of care to its members, who include customers, shareholders, and employees. This duty of care is an expectation that you will exercise reasonable care when acting on behalf of the members you represent. The foundation of a D&O policy is to cover this breach of care.

In our litigious society, no private organization should take its duties lightly. Claims, large and small, are filed everyday by former, prospective, and current employees alleging employment practices related wrongdoings such as failure to promote, sexual misconduct, wrongful termination, and gender discrimination. In addition, suits have been filed from shareholders for failed mergers and acquisitions, failures to procure adequate insurance, financial losses after forecasted profits, and non-intentional mismanagement of funds.

If you hold an office on an executive committee or board, you need to protect yourself. Contact us today for a detailed explanation of how we can help you minimize this risk and protect your personal wealth.

**Remember Errors and Omissions is concerned with performance failures and negligence with respect to your products and services. D&O is tied with the performance and duties of management and their actions undertaken in an “insured capacity.” Those policies are not intended for actions taken outside of the capacity as a director or officer.

Many confuse EPLI (Employment Practices Liability Insurance) with D&O (Directors and Officers) and E&O (Errors and Omissions). EPLI covers employers from claims made by workers who have sued the company for violating their legal rights as employees. Possible lawsuits include claims for sexual harassment, breach of contract, wrongful termination, discrimination, and failure to hire or promote. Even in the event of a frivolous lawsuit or claim, the defense costs can be enough to severely damage your business. As an employer and business owner, you can’t afford not to protect yourself from these exposures.

Please contact us today to speak with an insurance professional about all of your business insurance needs.

Business owners providing legal, healthcare, or professional services should consider having professional liability insurance, also known as Errors and Omissions insurance or E&O insurance. This type of liability coverage protects your business against malpractice, errors, and negligence arising from providing services to your customers. Depending on your profession, you may be required by your state government to carry such a policy. Contact us to set up a client consultation and let us do the shopping for you.

**Remember Errors and Omissions is concerned with performance failures and negligence with respect to your products and services. D&O is tied with the performance and duties of management. Two different exposures typically require different insurance solutions, so contact us today to minimize your risk and maximize your profits.

Isn’t it amazing how everything is just a click away? With great connectivity comes great reward and great risk. The typical business policy only covers so called “tangible” assets and electronic data is NOT typically considered tangible under most policies. Therefore, you need to consider purchasing Cyber liability coverage, which is designed to fill this gap. It addresses the first and third party risks associated with networks, e-business, informational assets, and Internet communications. This includes virus transmission, privacy issues, infringement of intellectual property, other unintentional acts, or mistakes made by you or your employees.

Forbes reported a recent study by the U.S. Secret Service and Verizon Communications, Inc., which indicated that 72% of all data breaches occur in SMB (Small and Medium Sized Businesses). The average cost of this breach was approximately five million dollars. Contact us today so we can discuss your Cyber Liability exposures which are only a click or two away.

When it comes to the wheels that drive your business around town, pick an insurance representative that is knowledgeable and willing to discuss your commercial auto needs. We have access to some of the nations largest commercial auto providers. Commercial auto is available for vans, trucks, business autos, tow trucks, dump trucks, and much more. Contact us today to speak with one of our insurance professionals about the company and coverage you need to keep your business up and rolling.

Commercial Property Insurance from SSIA can help protect the property your business owns including assets like inventory, medical equipment, furniture, fixtures, and the building from which you operate. Coverage can also include protection for records and lost income if your operations are suspended due to a covered loss. Whether you own or rent the building from which you operate, Commercial Property Insurance is one of the first types of insurance you should consider when launching a new enterprise.

Please contact us today to make sure your business property is protected from a multitude of possible perils.

From small growers ($1 million) to large ($100 million+), SSIA can help protect this incredibly valuable investment. By working with the best carriers offering this niche coverage, we analyze the risk thoroughly to provide the best level of protection.

What would happen if your 25 year investment was destroyed in hours? We provide the stability, independence, security and specialized team are here to help you obtain proper Standing Timber Insurance / Forestry Insurance.

We service the entire Alabama and Mississippi Gulf Coast including Gulf Shores, Orange Beach, Fort Morgan, Daphne, Fairhope, Spanish Fort, Mobile, Biloxi,Pascagoula, and Bay St. Louis. Call today for all of your commercial or residential event insurance needs.

A surety bond or surety is a promise to pay one party (the obligee) a certain amount of money if a second party (the principal) fails to meet some obligation, such as fulfilling the terms of a contract. The surety bond protects the obligee against losses resulting from the principal’s failure to meet the obligations.

Worker’s Compensation is a form of insurance designed to cover wage replacement and medical benefits to employees injured in the course of employment. Currently in Alabama, if you have over five employees, you are required by law to provide work comp. Please note that just because you are not required by law doesn’t mean you don’t have an exposure. For instance, a small A/C repairman with three waged employees is not required to provide work comp coverage, but if one of his employees suffers a work related accident, you can rest assured the A/C repairman (employer) is liable.

Please contact us if you are in need of protecting yourself and your employees in the event an injury occurs on your watch.

Event Insurance made easy? Look no further as we have event insurance for weddings, summer camps, sport camps, day camps and clinics, health or fitness programs, sports teams, festivals, fairs, event planners, outfitters and guides.

We can also provide event insurance coverage for venues such as amphitheaters, auditoriums, trade shows, sports complexes, civic and convention centers, performing arts centers, and much more.

Don’t worry about extreme weather, no-show vendors, alcohol-related accidents. Event Insurance is easy and affordable. Limits up to $5M available and we have no problem adding your venue as an Additional Insured.

Please contact us to ensure that your special day(s) aren’t ruined with an unexpected lawsuit for which you aren’t covered against. We are the Alabama and Mississippi Gulf Coast leading solution for event insurance.

We service the entire Alabama and Mississippi Gulf Coast including Gulf Shores, Orange Beach, Fort Morgan, Daphne, Fairhope, Spanish Fort, Mobile, Biloxi,Pascagoula, and Bay St. Louis. Call today for all of your commercial or residential event insurance needs.