As the officially endorsed insurance provider for the AIADA, Woodall & Hoggle Insurance has teamed up with several carriers to create a program designed specifically for car dealers like you. We have many companies that are rated A (Excellent) by AM Best that have chosen to partner with our agency in the state of Alabama. With these companies by our side, we look forward to helping you with your insurance program. Call Woodall & Hoggle today to get more information about your specific insurance needs.
General Liability Coverage protects you against claims for damages because of bodily injury or property damage to others resulting from your business operations.
In addition to the options for Auto Dealers listed above, Woodall & Hoggle also recommends some very important coverages that all business owners need to understand and consider:
Commercial Umbrella Liability Insurance – protects your organization against large, catastrophic liability claims. The policy acts as excess coverage over your primary liability policy(s).The coverage limit applies in addition to the limit(s) provided by underlying coverage(s).
Cyber Crime Liability Insurance– protects your organization from an invading army of exposures, such as e-theft, destruction of critical data, defamation, libel, copyright or trademark infringement, e-vandalism, e-threats, denial of service, and more.
Employee Benefit Liability Insurance – covers the cost to employees that result from employer processing errors related to employee benefits. Some examples of this would be an employer not providing the employee with the appropriate COBRA information following termination that results in the ex-employee losing benefits, or an employer neglecting to add an employee to a benefits plan or adjusting coverage as requested.
Employment Practices Liability Insurance– provides protection for an employer against claims made by employees, former employees, or potential employees. It covers discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations. It covers your firm, including its directors and officers.
Workers’ Compensation Liability Insurance – provides coverage to employees for accidents or disease arising from employment. Benefits may include lost wages, medical expenses, and permanent disfigurement/disability payments. State law requires that employers provide Workers’ Compensation Insurance for their employees.