Local Florence, Alabama insurance coverage that fits your family & business needs, with a team that knows your name.
Home, auto, and boat insurance in Florence, Alabama
Florence is the largest city in the Shoals, on the north bank of the Tennessee River. It is home to the University of North Alabama and known for its music history, with Muscle Shoals just across the river.
Homeowners insurance in the Shoals
Florence mixes historic homes downtown with newer neighborhoods. Severe storms and tornadoes cross the area each spring. We shop homeowners coverage across carriers and write landlord policies for rentals near UNA.
River life and autos
We write boat insurance for Pickwick and Wilson Lakes, auto insurance for local drivers, and flood insurance for homes near the river.
Your insurance team for Florence, Alabama
We work with Florence households and business owners, and also serve nearby Muscle Shoals, Sheffield, Tuscumbia, and Killen, along with communities across Alabama.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
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Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
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Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
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Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
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Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
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Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
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Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
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Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
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Don’t see your business? Tell us what you do.
Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, Elye Insurance
Your trusted insurance advisor in Florence, Alabama providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Florence, Alabama.