- Auto InsuranceAt HRT Insurance Group, we are not trying to be the cheapest and we are not trying to be the most expensive. We simply want our clients to have the most affordable car insurance possible while still maintaining proper coverage. That is our definition of “value.”
- Motorcycle InsuranceWhether you’re a weekend warrior, a casual rider, or a hardcore motorcyclist, cruising down the highways and scenic routes of Alabama, odds are one day you are going to lay it down.
- Boat InsuranceWhen the days are clear and weather is warm, we know that the first thing on your mind is going out on the water. Your boat allows you to get away from all the stress and pressure of the mainland, and kick back by yourself or with good friends.
- Truck InsuranceWe pride ourselves on making sure each of our trucking companies have the coverage that they need to haul loads all across the country without worry. We are also dedicated to getting certificates of insurance to all of our clients, so they can work more efficiently. Whether you have your own company or if you are an owner operator, we can help.
- Renters InsuranceThese are special circumstances that require a certain policies. Be sure that your belongings are covered if you rent a home or apartment.
- Home InsuranceYour home is where you and your family live! This home provides shelter, security and more. In return, it is important to have the right insurance coverage that protects your home. A good homeowner’s insurance policy will provide your home with the proper protection without breaking the bank.
- Condo InsuranceWe understand that a condominium may not be a traditional home. However, it does require a specific type of policy. Condominium insurance provides protection where condo associations do not. We specialize in condo insurance and are very aware of the issues that may occur regarding your condo association, rulings, and preferred insurance vendors.
- Health InsuranceWorkers’ compensation insurance is designed to help employers pay these benefits. As a protection for employees, most states insist that employers carry some kind of workers’ compensation Insurance. Workers’ compensation insurance isn’t health insurance; it is for injuries sustained on the job.
- Business InsuranceAt HRT Insurance Group, we have provided personal and business insurance solutions for more than 50 years. Currently, we are based out of Spanish Fort, AL in beautiful Baldwin County.
- Commercial Property InsuranceNo matter the type of business you own, you will need commercial property insurance for any important assets. At HRT Insurance, we want to help you find the best plan and bundle for you, so that you can focus on what matters—running your business.
- Workers Compensation InsuranceWorkers’ compensation legal guidelines were created to ensure that employees who are injured on the job are provided with preset economic awards. This eliminates the need for lawsuits and creates an simpler process for a worker. It also helps manage the economic risks for businesses since many states limit the amount an injured worker can get back from an employer.
- Commercial Liability InsuranceThere are multiple components to operating a business: your services, your vehicles, your employees, your company possessions and more. Find the best business liability insurance plan that works for you.
- Professional Liability InsuranceProfessional liability insurance is more commonly referred to as errors & omissions (E&O). It is a form of liability insurance that protects an advice/service-providing professional from the costs of a lawsuit. This lawsuit is typically brought about from being accused of negligence by a client.
- Liability InsuranceUnfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.
- Flood InsuranceAre you inside a flood zone? Did you know that homeowner’s insurance doesn’t pay for flood insurance claims? Flood insurance is very important if you plan on keeping your house and your possessions safe and secure. Flood coverage provides protection against losses that result from heavy and lengthy precipitation, storms and blocked storm drains.
- Earthquake Insurance