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    • Home
    • Employee Benefits
    • Commercial Insurance
    • Personal Insurance
    • Contact
    • Wellness Benefits
    • Supplemental Benefits
    • SIMRP
  • Home
  • Employee Benefits
  • Commercial Insurance
  • Personal Insurance
  • Contact
  • Wellness Benefits
  • Supplemental Benefits
  • SIMRP
Smarter Insurance and Benefits Strategies

Smarter Coverage. Multiple Carriers. One Local Agent

Smarter Coverage. Multiple Carriers. One Local AgentSmarter Coverage. Multiple Carriers. One Local AgentSmarter Coverage. Multiple Carriers. One Local Agent

Commercial Insurance for Alabama and Tennessee Businesses

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Coverage that works. Quotes that move fast.

General liability, workers' comp, commercial auto, property, umbrella, and COIs for contractors, local businesses, and property owners. Independent agency. Multiple carriers. Fast quotes. 

Request a Quote

Commercial Insurance for Alabama and Tennessee Businesses

Who We Work With

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Contractors

Landlords & Property Owners

Main Street Businesses

 Electricians, plumbers, roofers, GCs, HVAC — if you need a COI by Friday or workers' comp to stay on the job, we handle it fast. General liability, commercial auto, tools and equipment, umbrella. 

Get a Contractor Quote
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Main Street Businesses

Landlords & Property Owners

Main Street Businesses

 Boutiques, salons, restaurants, offices, service businesses — coverage that fits your operation without overpaying. General liability, property, BOP, professional liability, commercial auto. 

Get a Business Quote
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Landlords & Property Owners

Landlords & Property Owners

Landlords & Property Owners

 Rental homes, duplexes, small apartment buildings — protect your income property with the right liability, property, and umbrella coverage. We handle habitational risks other agents avoid. 

Get a Property Quote

Coverage We Handle

We offer a wide range of insurance products including general liability insurance, workers' compensation, commercial auto insurance, commercial property coverage, business owner's policy (BOP), umbrella/excess liability, professional liability, inland marine/tools & equipment, certificates of insurance (COIs), builders risk, liquor liability, and cyber liability.

We Shop the Market for You

Why Work With Us

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We are an independent agency — we shop multiple carriers to find the best rate and fit for your business. No captive carrier agenda. No runaround. Just straight answers and fast quotes. Licensed in Alabama and Tennessee. Based in Florence, AL. Serving the Shoals, North Alabama, and Southern Tennessee. 

Frequently Asked Questions

 Common Questions 

 Usually same day or next business day. 


 Yes. We quote workers' comp across multiple carriers for contractors and businesses in Alabama and Tennessee. 


 A Business Owner's Policy bundles general liability and property coverage into one policy — usually cheaper than buying them separately. 


 Yes. We write landlord and habitational policies for rental homes, duplexes, and small apartment buildings.


Please call us at 256-320-7446. We love helping new business's. We will walk you through the process and make it very easy. 


Need help fast? Start here.

Need your contractor COI by Friday? Looking for general liability insurance or workers' compensation? Want quotes for commercial auto insurance, home, and auto? I’ll help you get it handled fast. 


Request a quote → 


Call: 256-320-7446 


Text: 256-678-8285

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 © 2026 Lance Hendrix Agency. Hendrix Employee Benefits is a division of Lance Hendrix Agency. All rights reserved.

Florence, AL • 256-320-7446

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