Walker Insurance Agency writes commercial insurance for contractors, manufacturers, retailers, restaurants, distributors, and real estate owners across Mobile and Baldwin County. As an independent agency, we compare your coverage across more than 100 A-rated carriers and build a program around the risk your business actually carries. One agent handles your policies, certificates, and renewals, so you’re never starting from scratch when you call.
Commercial Insurance We Offer
Business Liability Insurance — Protection when a customer, vendor, or visitor claims your business caused an injury or property damage.
Commercial Property Insurance — Coverage for your building, equipment, inventory, and the income you lose while you can’t operate.
Commercial Auto Insurance — Coverage for the trucks, vans, and fleet vehicles your business owns or that employees drive for work.
Workers Compensation Insurance — Medical bills and lost wages for employees hurt on the job, required for most AL employers with five or more employees.
Contractors Insurance — Liability, tools, equipment, and the coverage general contractors require before you step on a job site.
Restaurant Insurance — Coverage built for kitchens, dining rooms, spoilage, and the risks of serving the public.
Liquor Liability Insurance — Protection for bars, restaurants, and venues if a guest you served causes injury or damage.
Cyber Liability Insurance — Help with data breaches, ransomware, and the cost of notifying customers when information is exposed.
Landlord Liability Insurance — Coverage for property owners when a tenant or visitor is injured on a rental property.
Frequently Asked Questions
What insurance does a small business need in Alabama?
Most businesses start with general liability and commercial property. Many combine the two into a business owner’s policy (BOP), which usually costs less than buying each separately. From there, it depends on your operations. Businesses with five or more employees generally need workers’ compensation, vehicles used for work need commercial auto, and businesses that store customer data should consider cyber liability. We’ll walk through what applies to you.
What is a business owner's policy?
A business owner’s policy, or BOP, packages general liability and commercial property into one policy. Most also include business income coverage. It’s designed for small and midsize businesses with typical risks, such as offices, retail shops, and many service businesses. Businesses with higher risks, like contractors or manufacturers, often need coverage written separately.
Do I need commercial auto if my employees drive their own cars for work?
Possibly. When an employee causes an accident while running a business errand, your business can still be named in the lawsuit, and the employee’s personal policy may not be enough to cover it. Hired and non-owned auto coverage protects your business when employees use their own vehicles or rentals for work. It can often be added to your general liability or business owner’s policy.
How do I get a certificate of insurance?
Call the office at (251) 422-9959 or email office@walkerins.biz with the certificate holder’s name, address, and any special wording the job requires, such as additional insured status. Contractors who need certificates regularly can tell us their usual requirements, and we’ll keep them on file.
Why does commercial insurance cost more on the Gulf Coast?
Carriers price for wind, storm surge, and the longer recovery times that follow a hurricane. Your distance from the water, building age and roof condition, construction type, and claims history all factor in. Carriers weigh these differently, which is why comparing quotes across multiple companies is where an independent agency saves you money.
Is Business Protected With the Right Coverages?
Send us your current declarations pages. We’ll review your named-storm deductible and your business income limit, and compare what other carriers would charge for the same coverage.