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Larry Burkman Agency

4820 University Dr., Ste. 7
Huntsville, AL 35816

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Auto Insurance Basics for Huntsville Drivers

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If something is to happen to your automobile, you could be out of commission for a longer period of time than expected. Injuries are also common when accidents take place. At Larry Burkman Agency, we understand the needs of Huntsville, AL motorists instinctively. To find out more about auto insurance basics and how these policies assist local drivers, check out the following guide.

Consider Your Driving Frequency

The frequency at which you drive will play a major role in the policy that you select. Perhaps you are working from home now or maybe your children are riding the school bus this year. When these changes take place, your auto insurance policy needs to reflect that. On the other hand, those with longer commutes will have a different set of decisions to make.

Who Is Using The Vehicle?

Whether the vehicle is being utilized by a teenager who does pizza deliveries after school or you are lending it to an older relative, you will need to make sure that you have the right amount of coverage. Fortunately, Alabama residents have the peace of mind that comes with knowing that their insurance follows the car, not the driver. No matter who is driving, you will be covered.

Research Your Potential Incentives

If you are a safe driver who prioritizes a steady hand behind the wheel, this can have a positive effect on your auto insurance policy. The more mindful you are as a driver, the more incentives are available to you. Bear this in mind if you have a number of moving violations on your record. These will have an adverse effect on your chosen policy.

Huntsville, AL residents who wish to learn more about a potential auto insurance policy are urged to contact Larry Burkman Agency as soon as possible. Our team of professionals will walk you through every aspect of the decision-making process.

Six Benefits of Commercial Insurance You May Not Be Aware Of

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Business insurance is practical, protective, and potentially crucial to the future of your business. Some benefits are more obvious than others. Whether you own or operate a small business, one that is a start-up, or if you operate a large established company, commercial insurance can be very valuable. If you own a business in or around Huntsville, AL, here are six benefits of commercial insurance from the Larry Burkman Agency you may not be aware of.

Six Benefits of Commercial Insurance

1. It Can Build Consumer Confidence in Your Company

Advertising that your business is “fully insured” could be a competitive advantage. Consumers feel more confident in dealing with responsible organizations.

2. It provides Peace of Mind

Being a business owner is stressful enough without losing sleep over a slip-and-fall lawsuit or vandalism. You’ll sleep better knowing you are covered.

3. It Can Protect You from Theft

Business insurance can financially protect you from theft from the outside and from employees. Employee theft is one of the primary causes of small business bankruptcy.

4. It May Be Able to Replace Lost Income

Income replacement insurance can protect your income from your business should it be unable to operate following a covered calamity.

5. It Can Provide Automobile Coverage

Commercial auto insurance can cover any vehicles the company owns and may protect personal vehicles used for business.

6. It Can Cover You From Financial Loss Due to a Cyberattack

Cybersecurity and cyber liability insurance can protect your business from losses associated with cybercrime.

Call Today To Discuss Your Options

Larry Burkman Agency in Huntsville, AL can customize a business insurance plan specifically for your business and your risks. Contact us today to discuss your commercial enterprise and for a custom quote.

What to Expect After Filing a Homeowners Insurance Claim

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If you’ve recently experienced an incident with your Huntsville, AL home that requires you to file a claim with your homeowner’s insurance, and it’s your first time filing one, you might have no idea what to expect. There is no reason to become stressed, as the process is relatively straightforward.

Here is a brief overview of how the process should go:

Gather All Supporting Documents

Before filing your claim, be sure to obtain copies of important supporting documents, such as a police report, if applicable, and clear photos of any damage. The better prepared you are when you file your claim, the easier it will be for your claim to be processed. 

File Your Claim 

Once you’ve gathered all the appropriate pictures as well as the police report, if applicable, you can contact your insurance company and file the claim. This can be done by phone, in person, or even online, depending on your insurance company. You can choose the method that is most convenient for you. 

Wait for a Determination

Once you’ve submitted your claim, you’ll have to wait for the determination. This could take a few weeks, or even a few months, if not longer. If the process is taking longer than expected, you can always contact your insurance company for an update. 

As you can see, the process of filing a homeowners’ insurance claim isn’t difficult and shouldn’t cause you stress. Simply follow these easy steps, and you should receive a determination in no time, hopefully in your favor. If you’ve decided that you’d like to find a new insurance company, you should consider giving us at Larry Burkman Agency a try. We at Larry Burkman Agency provide coverage for Huntsville, AL, and we go above and beyond to ensure each and every customer has an overall positive experience.  

Four Types of Auto Insurance Coverage

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When you need auto insurance, there are many different types of coverage that can be included in your policy. These include types of liability coverage as well as coverage for your own damages. When you need auto insurance in Huntsville, AL, call us at Larry Burkman Agency. Don’t drive in the Rocket City without the insurance you need to protect yourself.  

Bodily Injury and Property Damage Liability

These are two types of liability insurance that you’re required to have. When you have bodily injury liability coverage, it covers the other party’s medical bills that are due to the accident that you caused. If it’s judged that you’re the person at fault for the accident, you will owe all of the money for these medical bills. Bodily injury liability pays them as well as other costs such as legal bills and lost wages for the other party. 

Property damage liability also pays for the bills of the other person if you are at fault for the accident. This type pays for the vehicle damage or damage to other items such as personal items in the vehicle, damage to a building, etc. Both of these liability types are required by the state. 

Comprehensive and Collision Coverage

Comprehensive and collision coverage are two types that aren’t required in Alabama, but no driver should be without them. Comprehensive coverage is protection against many of the risks that a vehicle faces when you aren’t driving it. Collision coverage protects you by paying for the damage to your own vehicle if you are at fault for the accident. Both of these types are important to have for your own financial protection. 

Get Auto Insurance 

If you don’t have all of these essential types of auto insurance, call us at Larry Burkman Agency in Huntsville, AL to get started. 

How many different kinds of commercial insurance do I need for my small business?

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Most small businesses are vulnerable to a variety of potential perils. Even if you do everything right, you cannot control everything that happens. Protecting your Huntsville, AL small business is important so that your business can move on and continue to thrive even after experiencing a setback. At the Larry Burkman Agency, we can help you look at your possible risks and choose the coverage that is right for you.

Business Owner’s Policy (BOP)

The most common kind of policy small businesses get is a BOP. The BOP combines the most important kinds of coverage in one place, helping you coordinate claims and even saving you money. 

A BOP usually has two main parts:

  • Business property insurance protects your physical building, including its contents, in case of certain named perils, such as fire or vandalism.
  • Business liability insurance protects your business in case someone sues your business for property damage or bodily injury because of something that happened during the normal course of business.

Other Kinds Of Commercial Insurance

There are several other kinds of available protection, and you can choose only the ones you will need. If you are a licensed professional, you should add professional liability insurance. Business interruption insurance protects you during an unforeseen closure. Data breach insurance has become popular as criminals have become more adept at interfering with others’ computers. If you have five or more full- or part-time employees, your business will be legally required to carry workers’ compensation insurance. These are just a few examples.

We Are Here To Help

Make sure your Huntsville, AL small business has the protection it needs. If you are interested in adding protection, or if you just have questions about commercial insurance, please feel free to call the Larry Burkman Agency today.

Benefits of Comprehensive Home Policies

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At the Larry Burkman Agency, we’re proud to help our friends and neighbors in Huntsville, AL and the surrounding areas with all of their insurance needs. If you’re thinking about upgrading your home policy, now’s an ideal time to do so. Give us a call or stop by the office today to learn more.

Is a Comprehensive Home Policy Right for You?

As you spend more time in your home, it becomes more of a part of your life. This makes it both a financial and an emotional investment. Once you’ve begun to create lifetime memories in your family home, it’s important to protect it. This is easy to do with the right homeowner’s policy. Now’s an ideal time to sit down with your local agent to review the options that are currently available in our area.

When you’re considering an upgrade to your home policy, there are a few features to look for when comparing policies. An increase in liability coverage is another way to boost your protection with a comprehensive policy for your home. If you have young children, you’ll want to have coverage for having to find temporary lodging due to a covered event. You’ll receive reimbursement for a hotel or another living situation while your home is repaired or replaced. This will help to minimize the disruption experienced by your family.

We’re here to help with all of your insurance needs!

If you live or work in the greater Huntsville, AL area, you can count on the team here at the Larry Burkman Agency. We’re here to help with all of your insurance needs, not just those relating to your home policy. Give us a call today or stop by our office to learn more about our helpful and professional services.

Roadworthy Protection: Get Auto Insurance for Peace of Mind

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There is nothing worse than getting into an auto accident and finding out that you or the other driver involved in the accident doesn’t have adequate auto insurance to repair or replace your vehicle. The auto insurance experts at Larry Burkman Agency in Huntsville, AL can answer your auto insurance questions and help you choose the best auto insurance policy for your needs. 

Why You Need Alabama Auto Insurance

Alabama state laws require that all drivers on the roads have adequate auto insurance to protect them in the case of an accidental collision with other drivers when auto accidents happen unexpectedly. 

Not having adequate auto insurance can lead to devastating financial losses and out-of-pocket expenses that most drivers can’t afford to pay all at once. Alabama auto insurance experts at Larry Burkman Agency can help you choose the best auto insurance coverage options to protect your investment based on your individual driving and insurance history. 

Talk to a knowledgeable agent to learn more about the benefits of non-collision coverage included in comprehensive and collision plans that can help drivers cover the costs of events like theft, vandalism, or natural disasters. Your agent can advise you on the best auto insurance policy options based on your driving history and your current insurance score.

A licensed auto insurance agent can help you understand the differences between collision-based liability insurance and non-collision-based insurance policies for comprehensive and collision coverage. 

Don’t get caught driving in Huntsville, AL without insurance! 

Avoid penalties and fines for driving without insurance and the potential costs for an at-fault accident. Contact the auto insurance experts at Larry Burkman Agency and get a free Alabama auto insurance quote today! 

How workers compensation insurance can protect both your business and your employees

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Workers’ compensation insurance from Larry Burkman Agency is one of the most important types of insurance for businesses to have here in the Huntsville, AL area.

Benefits of Workers’ Compensation

It provides financial protection to both employers and their employees in the event of an injury or illness sustained on the job. This type of insurance covers medical expenses, lost wages, rehabilitation costs, and other benefits related to a workplace injury or illness. 

For employers, workers’ compensation insurance helps protect against costly lawsuits from injured employees who may be seeking compensation for their injury or illness. Without this coverage, an employer can face significant financial liability if an employee is hurt on the job. In addition, workers’ compensation insurance helps ensure that injured employees receive the necessary medical care and resources they need to recover from their injuries. 

For employees, workers’ compensation insurance provides peace of mind when it comes to being injured or ill at work. If they sustain an injury while working, then they can rest assured that their medical costs will be taken care of by the policy. Furthermore, this form of coverage offers them financial help during their recovery period so that they won’t be burdened with additional financial worries during such a difficult time. 

Overall, workers’ compensation insurance is essential for any business because it helps protect both the employer and employee from incurring expensive legal fees and also offers security for those unfortunate enough to experience a work-related injury or illness.

Reach Out To Us

For more information, give us at Larry Burkman Agency a call today. We are proud to serve the Huntsville, AL area and would be happy to help you find a policy that not only meets your needs but your budget as well. 

The Benefits of Bundling Home and Auto Insurance

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Maximizing your insurance coverage while minimizing your expenses is a smart financial move. By bundling your home and auto insurance policies, you can achieve both. In Huntsville, AL, the Larry Burkman Agency offers comprehensive insurance solutions for residents looking to protect their assets and save money.

Benefits of Bundling Home and Auto Insurance Policies

Bundling your home and auto insurance policies can result in significant cost savings. Insurance companies often offer discounts for bundling policies, which can lower your overall insurance premiums. It also simplifies your coverage management, as you only have one insurance provider to deal with. Additionally, bundling can make it easier to file claims, as you only have to deal with one company for both policies. This can save you time and reduce the stress of managing multiple claims.

Cost Savings

By bundling your policies, you can save money on your insurance premiums. Many insurance companies offer discounts when you bundle home and auto policies, as it lowers their risk and administrative costs. Additionally, you’ll only need to make one payment to cover both policies, making it easier to manage your finances.

Simplified Coverage Management

Managing multiple insurance policies from different providers can be a headache. Bundling policies simplifies the process, as you’ll have one point of contact for all of your insurance needs. This can save you time and hassle, allowing you to focus on other important areas of your life.

Comprehensive Insurance Solutions

Larry Burkman Agency offers comprehensive insurance solutions for Huntsville, AL residents. From home and auto insurance to life and business insurance, we can help you protect your assets and achieve your financial goals. Contact us today to learn more about our comprehensive insurance solutions and to receive a quote.

Types of auto insurance coverage you can add to your policy

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At Larry Burkman Agency, serving the greater Huntsville, AL community, we are an independent insurance agency. What that means is that we do not work for one insurance carrier, we deal with many carriers, and we work for you. Our approach is to make sure that you have insurance that gives you exactly what you need at a price that makes sense with your lifestyle. 

A basic auto policy only includes liability coverage which protects other drivers from an accident you are responsible for. But there is much more that you can choose to add to your policy to make it meet your needs. 

Auto Insurance Add-Ons

Collision

Collision coverage covers your vehicle in an accident that you are responsible for. It can repair or replace your vehicle after a deductible is met. 

Comprehensive 

Comprehensive coverage covers most other things that might damage your vehicle other than a collision. It also provides theft coverage in the event your vehicle is stolen.

Gap coverage

If you have a brand-new vehicle and an auto loan, you may owe more than the insurance company will pay you for your totaled vehicle. This leaves you with a remaining dollar amount you would have to pay out of pocket. Gap coverage pays that difference.  

Uninsured or underinsured coverage

If your vehicle is damaged by a driver with no insurance or inadequate insurance, this coverage protects your vehicle. 

Rental coverage

If your car is damaged in an accident, this coverage provides a rental car so that you have transportation. 

Full glass

Full glass provides glass coverage for your windshield and other windows for total replacement or repair with no deductible. 

Reach Out To Us

Contact Larry Burkman Agency in Huntsville, AL for all your insurance needs. We will be here for you from the time you purchase your policy through any claims you may have.  

Partner Carriers

  • ASI
  • Foremost
  • National General
  • Orion
  • Progressive
  • Safeco
  • Safeway
  • The Hartford
  • Travelers
  • Universal