Coverage Types

Commercial Insurance

Running a business means facing risks every day. Belcher Agency helps Montgomery business owners find the right commercial coverage from general liability to workers' comp, so you can focus on growth, not what could go wrong.

General Liability

Bundled coverage combines liability, property, and interruption insurance

Commercial Property

Protects buildings, equipment, inventory, and other business physical assets

Business Owners Policy (BOP)

Protects employees and businesses from workplace injury expenses and claims.

Commercial Auto

Customizable bundle of multiple commercial coverages in one policy

Commercial Umbrella

Provides additional liability coverage above underlying policy limits

Workers Compensation

Protects professionals from claims of mistakes or negligent service

Commercial Flood

Covers building and contents damage from flooding events

Professional Liability (E&O)

Coverage for vehicles used in business operations and activities

Directors & Officers

Protects company leaders from personal liability for management decisions

Special Events

Covers single to multi-day special events, protecting you from liability.

Cyber Liability

Covers data breaches, cyberattacks, and network security failures

Inland Marine

Protects mobile equipment and property in transit or off-site

Hired & Non-Owned Auto

Covers liability for rental and employee-owned vehicles used in business

Business Interruption

Replaces lost income when covered losses force temporary closure

Tenant Improvements

Covers alterations and improvements made to leased commercial space

Crime Insurance

Protects against employee theft, fraud, and criminal acts

Builder's Risk

Covers buildings and materials during construction or renovation phases

Liquor Liability

Protects businesses serving alcohol from intoxication-related claims

Excess Liability

Provides additional liability coverage above underlying policy limits

Surety Bonds

Guarantees performance and compliance with contractual obligations