ALL PRODUCTS
PERSONAL AUTO INSURANCE
Wiggins Insurance Agency offers coverage for all of your Personal Auto Policy needs. The Alabama Mandatory Liability Insurance (MLI) law requires all Alabama residents to have a liability insurance policy if they drive or register a vehicle. Let us help you be in compliance. Without proper insurance, individuals may face legal consequences and financial penalties. Additionally, personal auto insurance promotes a sense of security, allowing drivers to navigate the roads with confidence, knowing that they have a safety net in place in case of unforeseen events. Overall, personal auto insurance is a fundamental component of responsible vehicle ownership, offering both financial and legal safeguards.
HOME OWNERS INSURANCE
Homeowners insurance is vital for protecting your home and finances. It provides coverage for damages to your home, personal belongings, and liability for accidents on your property. Without it, you could face significant financial losses from unforeseen events like fire, theft, or natural disasters. It offers peace of mind and ensures that you're prepared for the unexpected.
TORNADO COVERAGE
Tornado coverage insurance is a type of property insurance that provides financial protection in the event of damage caused by tornadoes. This coverage typically helps cover repair or replacement costs for the insured property, including the home and personal belongings, that are damaged or destroyed by the high winds, debris, and other destructive forces associated with tornadoes. It is often included as part of a comprehensive homeowners insurance policy.
COMMERCIAL INSURANCE
Commercial insurance is essential for businesses to safeguard their assets, employees, and operations. It provides coverage for property damage, liability claims, employee injuries, and business interruptions. Without it, businesses risk financial devastation from lawsuits, property damage, or unforeseen events. Commercial insurance ensures business continuity and protects against potential financial losses, allowing businesses to focus on growth and success.
RESTAURANT INSURANCE
Restaurant insurance is a highly important financial safety net designed to protect restaurant owners from a variety of risks. This specialized insurance provides coverage for potential liabilities and unforeseen events that could impact the restaurant's operations. It typically includes essential components such as property coverage for the physical establishment, liability protection for potential legal claims, and coverage for business interruptions. In the dynamic environment of the food industry, having restaurant insurance offers owners the peace of mind and financial security needed to focus on delivering a great dining experience without the constant worry of unexpected setbacks.
SURETY BONDS
Surety bonds are crucial for ensuring contractual obligations are met and financial protection is provided in various industries. They guarantee that parties fulfill their obligations and compensate for any losses incurred due to non-performance or breach of contract. Surety bonds instill trust and confidence between parties involved in construction, government contracts, and other business transactions. They serve as a form of assurance, ensuring that projects are completed, bills are paid, and contractual terms are honored, ultimately fostering a more secure and reliable business environment.
UMBRELLA INSURANCE
Umbrella insurance provides additional liability coverage beyond what your standard policies offer, such as homeowners or auto insurance. It protects you from major financial losses due to lawsuits, medical expenses, or property damage claims that exceed your primary policy limits. Umbrella insurance acts as a safety net, offering peace of mind and ensuring that you're adequately protected against unforeseen and potentially costly events that could otherwise jeopardize your financial well-being.
RECREATIONAL VEHICLE (RV) INSURANCE
Recreational vehicle (RV) insurance is essential for protecting your investment and ensuring peace of mind during your travels. It covers damages to your RV, liability for accidents, and provides additional coverage for personal belongings and emergency expenses while on the road. Without RV insurance, you risk significant financial losses from accidents, theft, or unforeseen events. RV insurance offers protection tailored to the unique needs of RV owners, allowing you to enjoy your travels with confidence and security.
ATV / UTV INSURANCE
ATV/UTV insurance is crucial for protecting both you and your vehicle during off-road adventures. It provides coverage for damages to your ATV/UTV, liability for accidents involving property damage or bodily injury, and may include coverage for theft, vandalism, and medical expenses resulting from accidents. Without ATV/UTV insurance, you could be personally liable for damages and medical bills, putting your financial security at risk. ATV/UTV insurance offers peace of mind, allowing you to enjoy your outdoor activities with confidence knowing you're protected against unexpected events.
MOBILE / MANUFACTURED HOME INSURANCE
Mobile/manufactured home insurance is essential for protecting your residence and personal belongings. It provides coverage for damages to your home from accidents, natural disasters, and other perils, as well as liability protection for accidents that occur on your property. Mobile/manufactured home insurance is tailored to the unique needs of these types of homes, offering specialized coverage options to address their specific vulnerabilities and construction methods. Without insurance, you risk financial loss and potential liability issues in the event of accidents or damage to your home. Mobile/manufactured home insurance ensures that you're adequately protected and can enjoy peace of mind in your home.
RENTERS INSURANCE
Renters insurance is essential for tenants to safeguard their personal belongings and mitigate financial risks. In the event of unforeseen events such as fire, theft, or natural disasters, this insurance covers the cost of replacing or repairing personal property. Additionally, renters insurance often includes liability coverage, protecting tenants from potential legal and medical expenses if someone is injured on the rented premises. It is a cost-effective way for renters to secure their possessions and shield themselves from unexpected financial liabilities.
LANDLORD INSURANCE
Landlord insurance, also known as rental property insurance, is a specialized insurance policy designed to provide coverage for property owners who rent out residential or commercial properties. It offers protection beyond what a standard homeowners insurance policy provides, considering the unique risks associated with rental properties.
GENERAL LIABILITY COVERAGE
Running a successful business involves various challenges, and ensuring you have the right protections in place is paramount. Business General Liability Coverage is a foundational shield that every business owner should consider.
BUSINESS OWNERS POLICY
Let’s discuss your business's insurance needs, I'd like to emphasize the significant benefits and importance of considering a Business Owners Policy (BOP). This tailored insurance package is designed to provide comprehensive coverage for small and medium-sized businesses like yours, offering a holistic approach to risk management.
BOAT / WATERCRAFT INSURANCE
Motorcycle insurance is vital for protecting riders and their bikes on the road. It provides coverage for damages to your motorcycle from accidents, theft, vandalism, and natural disasters. Additionally, motorcycle insurance offers liability protection for accidents resulting in property damage or bodily injury to others. Without motorcycle insurance, riders risk significant financial loss and potential legal liabilities in the event of accidents or damage to their bikes. Motorcycle insurance ensures that riders can enjoy the freedom of the open road with peace of mind, knowing they're protected against unforeseen events.
MOTORCYCLE INSURANCE
Motorcycle insurance is vital for protecting riders and their bikes on the road. It provides coverage for damages to your motorcycle from accidents, theft, vandalism, and natural disasters. Additionally, motorcycle insurance offers liability protection for accidents resulting in property damage or bodily injury to others. Without motorcycle insurance, riders risk significant financial loss and potential legal liabilities in the event of accidents or damage to their bikes. Motorcycle insurance ensures that riders can enjoy the freedom of the open road with peace of mind, knowing they're protected against unforeseen events.
