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Larry Burkman Agency

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

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Do One-Person Businesses Need Commercial Insurance?

Larry Burkman Agency has assisted many Huntsville, AL companies in finding commercial insurance that keeps them secure. But what if you run a one-person business? Will you need protection? Absolutely! Here’s what you need to know about the insurance type that makes sense for you.

Yes, One-Person Companies Need Insurance: Sole Proprietorship Policies

While it might seem odd to insure a business when you’re the only employee, sole proprietorship protection is critical! It’s available to exactly who the name suggests: firms with only one employee! How do you know if you qualify? Did you file organization articles with Alabama? If not, you count!

Note: Sole proprietor companies and self-employed individuals are different! Typically, self-employed individuals include freelancers and independent contractors who work and get paid by other businesses. Sole proprietors literally own a business and control assets, debts, etc.

Insurance Types You’ll Need

When drafting your sole proprietorship business insurance policy, it’s critical to add a variety of protection types! After all, if you’re the only person liable for your business financially, protecting yourself is critical! Just a few types of insurance you should add to your company include:

  • Liability protection to keep you safe from third-party claims (bodily injury lawsuits, etc.)
  • Professional liability support to pay for negligence or mistakes in your business
  • Business owner’s policy (BOP) that combines liability and property coverage
  • Cyber insurance (if you handle sensitive information for your customers)
  • Commercial auto (especially if you make deliveries, haul tools, transport passengers, etc.)

We’re Ready to Support You!

Do you run a one-person business and need commercial insurance you can trust? Call us at Larry Burkman Agency to get started! We’ll support your Huntsville, AL company by finding reliable commercial protection that keeps you safe and minimizes unnecessary and costly expenses.

Commercial insurance for food service businesses

Opening a food service business, such as a food truck, bakery, restaurant, or catering service, is often driven by a passion for cuisine. However, it’s crucial to understand the challenges and risks associated with such an establishment and to ensure you’re taking steps to protect yourself and your business from potential perils.

Commercial insurance for food service businesses in Huntsville, AL, can mitigate various liabilities commonly associated with these companies. Knowing you’re covered for many adverse events can provide peace of mind and allow you to focus on growing your business.

What Does Commercial Insurance Cover?

Every food service company’s commercial policy should address the unique risks associated with that specific business. Here are some of the most common types of coverages included in many policies:

  • Property damage: This coverage can help offset the costs of repairing or replacing equipment, furniture, or the building when they’re damaged due to events like fires, natural disasters, water leaks, and other covered incidents.
  • Liability coverage is often one of the most crucial coverages for food service businesses. It offsets costs associated with medical expenses, legal fees, and settlements if a customer suffers an injury, foodborne illness, or allergic reaction.
  • Food and inventory loss: This coverage can help cover the costs of equipment malfunctions or power outages that lead to food spoilage or other inventory loss.

Some food service businesses may also need to consider liquor liability or commercial auto insurance coverage. Our team at Larry Burkman Agency can help individuals in Huntsville, AL, learn about the types of coverage they need for a food service business.

Partner Carriers


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