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MAKING INSURANCE EASY IN THE BIG EASY.

As an independent insurance agency, we maintain our status as a privately owned company able to offer a multitude of services to our clients. We do not work for an insurance company; therefore, our obligation and loyalty is to our clients exclusively. Our ability to service a client is not limited by geographic or industrial boundaries.

Our objective, as your Insurance Agent, is to analyze your insurance needs in order to identify the exposures surrounding your business and personal assets. The relationships that we have built with our brokers and carriers give us an advantage throughout the negotiation process. You can always expect us to aggressively shop the market to find the best coverage to fit your specific insurance needs. Due to our long tenure in the insurance industry, we have access to write business with virtually all admitted and non-admitted carriers.

PRODUCTS

The professionals of Southern Insurance Agency will be glad to assist you with all of your commercial insurance needs. We provide an array of commercial coverages, including Property, General and Excess Liability, Professional Liability, Employment Practices Liability, Crime, and Automobile insurance products. We cover numerous businesses in the Gulf South Region; particularly high rise buildings, hotels, boutique hotels, condo associations, manufacturers, restaurants, taverns, and clubs. Below is a broader selection of coverages that we are happy to offer your business.

Auto

This coverage provides liability protection from injury to others, their property and damage to your owned auto.

Business Auto

Typical coverage includes bodily injury liability, property damage liability, medical payments, personal injury protection, uninsured motorist coverage, and/or comprehensive and collision coverage for a single company vehicle to a fleet.

Commercial Property

Commercial buildings used for offices, manufacturing, retail stores, or habitations can be covered from losses due to fire, wind, hurricane, and flood. Some Property policies may qualify for coverage extensions for exposures like spoilage, equipment breakdown, signs, accounts receivable, valuable papers, fine arts, and off-premises power interruption, and many more.

Condominium Association Insurance

Often includes property and flood coverage to protect the building, liability coverage to protect the common areas, and directors and officers coverage in order to protect the condominium board. Boiler/Machinery coverage can also be added.

Crime Coverage

Employee Dishonesty Insurance covers losses caused by the dishonest acts of your employees. Crime insurance can also cover losses caused by forgery and alteration, theft, disappearance, and destruction, robbery and safe burglary, computer fraud and funds transfer by third parties, along with other coverage options.

Cyber Liability

Cyber privacy policies cover a business’ liability for a data breach in which your customers’ personal information, credit card or bank information, social security numbers, or medical records, is exposed or stolen by someone who has illegally gained access your electronic network. Also included are expenses associated with these breaches such as notification costs, credit monitoring, costs to defend claims, fines and penalties, and loss resulting from identity theft.

Directors & Officers

Provides protection for-profit and non-for-profit companies against claims of negligence, misstatements, errors and omissions, misrepresentation, breach of duty, defamation, trademark, copyright or patent infringement, harassment, discrimination, security law, violations, wrongful termination, antitrust violations.

Employment Practices Liability

The relationship between the employer and the employee has become increasingly complex, and this has given rise to new insurance coverages to protect the employer. Coverages include sexual harassment, employment discrimination, wrongful termination, wage & hour, third party, and other coverages.

Error & Omissions / Professional Liability

In the current litigious environment, no professional, regardless of the service performed, can fully escape the possibility that their work may fail to meet their clients’ expectations. Because the liability exposures of another profession differ considerably from the liability exposures of another profession, we can provide different policies to ensure each.

Flood & Excess Flood

A high percentage of flood losses occur to properties located in non-flood hazard zones. Flood coverage for your building and contents is available at a reasonable cost through the National Flood Insurance Program (NFIP). NFIP flood insurance provides commercial property coverage on an Actual Cash Value basis with no coverage for Business Income or Extra Expense.

Garage Liability

This coverage is designed for businesses engaged in selling, servicing, storing, or parking autos that have special insurance needs. The garage coverage form combines coverage for auto liability, commercial general liability, and physical damage.

General Liability

We offer general liability coverage for businesses to cover those costs associated with the results of legal claims or suits against the business based on an accusation of fraud or negligence.

Hired / Non-Owned Vehicle Liability

This coverage provides contingent excess liability for hired/rented vehicles and non-owned vehicles (vehicles owned by employees and driven for company business.)

Liquor Liability

A component of a general liability policy, this protects an insured in case a claim suggests liability for a liquor related incident.

Restaurant Insurance

May include property insurance to cover the building and/or business property and inventory against physical loss or damage. Property insurance may also include loss of use or business income insurance that protects revenue streams in the event of a loss or damage to the establishment. Insurance for a restaurant often includes liability coverage designed to insure the business against losses, injury, or loss to another’s property, reputation, or health, even if they are negligent or liable for damage. Liability may or may not include liquor liability and/or assault and battery. Restaurant insurance can also be enhanced through endorsements that may protect more adequately, expand coverage, or increase sub limits.

Umbrella / Excess Liability

This coverage provides coverage above underlying general liability, auto, and workers compensation.

Workers Compensation

Responds to two basic loss exposures, that being an employer’s legal responsibility to pay required workers compensation benefits to employees and the possibility of an employee or some other person or organization making a liability claim against the employer for bodily injury to an employee. We also provide benefits for medical expenses and wage loss resulting from either occupational injury or disease.