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
