SMG Financial understands businesses insurance needs. As an independent insurance brokerage in Alabama we take pride in reviewing your options with multiple insurance companies, comparing protection and prices to find the best value for you and your business.

Commercial Vehicle
Commercial auto insurance can cover a combination of vehicle types (trucks, cars, buses, ect.) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage coverage for the employer and medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder's car.

Hired/Non-owned Auto Liability
Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.

Workers Compensation
Workers’ Compensation coverage pays for medical care and physical rehabilitation of employees injured on the job and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in most cases.

A commonly overlooked exposure for companies who employ mostly office workers is the potential injury to employees while driving their own vehicles on company business. This could be as simple as an employee driving to a sales call, the bank or office supply store. If you have employees, it is critical that you consider this important coverage.

Our agency can help your business find complete solutions to your unique workers' compensation insurance needs. Solutions that create a safer and more productive workplace, more confident and secure workers and overall savings you'll see on the bottom line.

Some of our coverage solutions can include:

Innovative payment systems
Medical disability case managers
Utilization management nurses
Certified life care planning nurses
Vocational rehabilitation consultants
Physician consulting services
Legal staff
Contracts with medical network providers
Managed prescription drug program
And much more

Commercial Property Insurance
One of the most common types of business insurance is commercial property insurance. This provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, wind and other natural or manmade disasters are examples of what is typically covered.

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent insurance brokerage, SMG Financial can help you determine the type of insurance policy and range of coverage that is best for your business.

For a full list of coverage available, or to learn more about this business property insurance,contact us today at(205) 983-5626.

General Liability Insurance
General liability, also known as “commercial liability insurance” is a broad commercial insurance policy that covers general liability exposures of a business. SMG Financial recommends that all businesses have general liability coverage in place.

Professional Liability Insurance (Errors & Ommissions)
Errors & Omissions (E&O) covers professionals for negligence and errors or omissions that injure their clients or cause damage to a third party. This type of insurance is particularly important to licensed professionals such as accountants, attorneys, insurance agents, architects, engineers and technology companies. SMG Financial recommends that all professional and technology companies have E&O coverage.

Employment Practices Liability Insurance (EPLI)
Employment Practices Liability Insurance for employers covers employment-related liabilities other than on-the-job injuries. This can include legal fees and damages for suits such as wrongful termination, discrimination, sexual harassment, and other alleged violations of employees’ legal rights. If you have employees, SMG Financial recommends considering this type of coverage.

Directors and Officers Insurance (D&O)
D&O insurance covers directors and officers of a company for negligent acts or omissions and for misleading statements that result in lawsuits against the company. There is a variety of Directors and Officers coverage available such as corporate reimbursement coverage, personal liability, and entity coverage. D&O policies may be broadened to include coverage for employment practices liability as well.

To find out more about these, as well as other business insurance products and services, call us and we’ll help make sure you’re properly covered.

Group Benefits
It is important for you to protect your employees’ lifestyle and health needs. SMG Financial offers complete employee consulting services through a broad range of benefit options and services available for both employers and their employees.

We are licensed as well as carriers for the following products:
-Group health insurance
-Group life insurance
-Group disability insurance
-401K / retirement plans
-Supplemental plans
-Key man life insurance
-Key man disability insurance
-Deferred compensation


Start your business insurance quote online today or give us a call at(205) 983-5626.