Protect your business with local experience and honest guidance.
Insurance That Works as Hard as You Do
From contractors and retail shops to farms and office spaces, we help Alabama business owners find coverage that keeps them protected and keeps them moving. At Schutz Insurance, we’ll walk you through the risks you face—and help you choose policies that match the way your business runs.
Coverage You Can Count On
Business Insurance for Builders, Owners & Operators
You’ve worked hard to build your business. We’ll help you protect it from lawsuits, property damage, employee injuries, and unexpected downtime. As an independent agency, we compare policies from trusted carriers and explain your options in plain terms—so you can focus on running your business.
Contractors Insurance
General liability, tools & equipment, commercial auto—we’ll help make sure your coverage meets your jobsite, license, and client requirements.
Commercial Property
Whether you own your building or lease a space, we help cover your inventory, gear, furniture, and fixtures from fire, theft, and more.
Commercial Auto
Insure your work trucks, vans, trailers, or delivery vehicles. We help make sure you’re road-ready, legally compliant, and properly covered.
Business Owners Policy
Bundle general liability and commercial property into one simplified policy for small businesses. Smart coverage, less paperwork.
Professional Liability
If your advice or service leads to a loss, this coverage helps protect you from lawsuits, claims, and costly legal fees.
Workers’ Compensation
Help cover medical bills and lost wages if an employee is hurt on the job. Required in most states—and just plain smart to have.
Why Schutz Insurance?
Local Agents. Real Answers. No Corporate Runaround.
You don’t need a big-box carrier that treats you like a number. You need someone who knows Alabama businesses—and has your back when something goes wrong. We’ve helped all kinds of local operations, from farms and contractors to shops and nonprofits. Whatever your work looks like, we’re here to help protect it.
Frequently Asked Questions
What kind of insurance does my small business need?
That depends on your work. Most need general liability and property coverage. Some may need auto, workers’ comp, or professional liability—we’ll walk you through it.
What’s the difference between a BOP and general liability?
A BOP bundles general liability with property insurance. It’s often cheaper and easier to manage, especially for smaller businesses with physical locations.
Is workers’ comp required in Alabama?
Yes, in most cases if you have five or more employees. But even if you’re not required, it’s a smart move to protect your business and your team.
Can I cover my tools and equipment?
Absolutely. We can help you cover mobile tools, trailers, and machinery—on your jobsite, in transit, or stored at your location.
What happens if a customer sues me?
That’s where general liability or professional liability coverage steps in. We’ll help you make sure you’re protected before that happens.