Business Details
50+ Years
experience
Emergency
services
Your Trusted Insurance Partner in Birmingham, AL
Kirby Insurance Agency has served clients since 1963, providing trusted insurance solutions for personal and business needs. Founded by Clyde S. Kirby and now led by President Carol Y. Kirby, a licensed producer with 42 years of experience, we operate as a minority woman-owned corporate entity. Our agency specializes in property, casualty, and surety insurance across Alabama and Georgia, maintaining an average client relationship of 45+ years through responsive service and professional expertise.Recognized for underwriting excellence and low loss ratios, we prioritize identifying client exposures and offering tailored risk management solutions. Our commitment to education and transferring risks through appropriate policies has earned recognition in national industry publications. With decades of experience serving diverse industries, we combine deep local market knowledge with a client-centric approach to deliver comprehensive coverage options.
Services
Auto
Home
Business
Bonds
Commercial
Details
- Year established: 1963
Highlights and features
- We offer 59 years of experience protecting homes and businesses in Alabama and Georgia
- Our agency maintains an average client relationship of 45+ years
- We provide coverage through A-rated insurance carriers
- Our team includes a licensed producer with 42 years of industry expertise
- We specialize in tailored risk management solutions for diverse industries
Services
Auto Insurance
We provide auto insurance through A-rated carriers for drivers with favorable driving records. Our policies include diminishing deductibles, monitored driving discounts, and new replacement coverage. Flexible payment plans and 24-hour claim reporting ensure comprehensive protection for personal vehicles while helping clients maintain continuous coverage with premium discounts for responsible drivers.
Home Insurance
Our home insurance covers houses, condos, and apartments starting at $80K value with good maintenance history. Policies include personal collections scheduling, equipment breakdown coverage, and home warranty options. We offer bundling discounts with auto insurance and flood coverage as an add-on policy, ensuring comprehensive protection for residential properties across Alabama and Georgia.
Business Insurance
We offer monoline and packaged insurance portfolios for businesses including liability, property, and specialized coverages. Our services protect diverse industries with general liability, workers' compensation, cyber breach protection, and umbrella policies. With expertise in serving plumbers, medical practices, non-profits, and technology firms, we provide risk management solutions tailored to specific business exposures.
Surety Bonds
Our surety bond services include probate, contractors license, fidelity, and performance bonds. We provide indemnity solutions for dishonest acts and contractual obligations, helping businesses and individuals meet legal requirements. These bonds ensure financial security for contractual agreements and professional licensing needs across multiple industries.
Commercial Specialty
We specialize in tailored insurance solutions for niche industries including valet operations, printing centers, social services organizations, and breweries. Our expertise extends to specialized coverages like directors & officers liability, employment practices liability, and one-day event insurance. This targeted approach ensures comprehensive protection for unique business operations and emerging industry needs.
People
Clyde S. Kirby
Founder
Founded Kirby Insurance Agency in 1963 after training at Alexander and Company Insurance Agency. A Morehouse College graduate, he established Birmingham's second minority-owned P&C agency and built its reputation for excellence over 17 years.
Carol Y. Kirby
President
Current President with 42 years of insurance experience, licensed producer and leader of the agency since its 2001 corporate reorganization. As a minority woman business owner, she continues the agency's tradition of personalized service and risk management expertise.
Questions
What types of insurance do you offer?
We offer auto, home, business, and surety bond insurance with specialized coverage options for diverse industries across Alabama and Georgia.
Do you serve businesses outside Birmingham?
Yes, we serve clients throughout Alabama and Georgia, providing commercial insurance solutions for businesses in various industries statewide.
Are you available for emergency claims?
Yes, we offer 24-hour claim reporting for auto and home insurance policies to assist clients with urgent insurance needs and emergencies.
What makes your agency different?
With 59 years of experience and an average client relationship of 45+ years, we combine deep local expertise with personalized service and A-rated carrier partnerships.
Do you offer payment plans?
Yes, we provide flexible payment options including online payments and premium discounts for full payments to accommodate our clients' financial needs.
