Business Details
48 Years
experience
Your Trusted Insurance Partner in Gulf Shores, AL
Gulf Shores Insurance has served South Baldwin County since 1978, providing comprehensive insurance solutions tailored to personal and commercial needs. Our independent agency offers coverage for homes, vehicles, businesses, condominium associations, and specialized assets like boats and RVs. With partnerships spanning Progressive Insurance, CNA Surety, National General, and other trusted providers, we deliver customized policies to protect what matters most. Our team prioritizes personalized service, treating clients like family while leveraging decades of industry expertise. We specialize in flood insurance, coastal wind and hail coverage, and alternative market solutions for unique risks.Located in Gulf Shores, Alabama, we serve communities including Orange Beach, Daphne, Fairhope, and Bay Minette. Our mission remains unchanged since founding: to provide exceptional service and reliable protection through transparent communication and deep local market knowledge. Clients benefit from our commitment to staying ahead of evolving risks while maintaining competitive rates. Whether insuring a home, business, or recreational vehicle, our agency combines technical expertise with a human touch. Over 40 years of service underscore our dedication to safeguarding families and enterprises across the Alabama Gulf Coast.
Services
Auto Insurance
Home Insurance
Business Owners Policy
Flood Insurance
Condo Insurance
RV Insurance
Workers Compensation
Liquor Liability
Umbrella Insurance
Boat Insurance
Details
- Year established: 1978
Highlights and features
- 40+ years serving Alabama Gulf Coast insurance needs
- Personalized service treating clients like family
- Comprehensive coverage for coastal-specific risks
- Partnerships with top-rated insurance carriers
- Expertise in flood and specialty insurance markets
Services
Auto Insurance
Our auto insurance policies protect against collision damage, comprehensive losses, and liability claims. Coverage includes medical payments, uninsured motorist protection, and optional roadside assistance. We offer competitive rates for standard vehicles and specialty coverage for high-risk drivers.
Flood Insurance
Flood insurance covers property damage from rising water events. Policies protect primary residences, rental properties, and commercial buildings against flood-related losses. We offer National Flood Insurance Program policies and excess flood coverage for high-risk coastal properties.
Business Owners Policy
BOP combines property, liability, and business interruption coverage for small businesses. Standard and special form options protect against physical damage, legal claims, and income loss from covered disasters. Available for retail, hospitality, and service industry operations.
Condo Insurance
Condo unit owners insurance covers interior structures, personal property, and liability claims. Policies protect against fire, theft, and water damage while coordinating with association master policies. Available for primary residences and vacation properties.
Workers Compensation
Workers' compensation insurance provides medical benefits and wage replacement for job-related injuries. Required coverage for Alabama employers protects businesses from liability claims while ensuring employee care. Policies include return-to-work programs and safety training resources.
People
Kathy Shiver
Office Manager/Producer
Kathy manages daily operations while assisting clients with policy selections. Her 20+ years in insurance combine administrative expertise with personalized service for Gulf Shores residents.
Mark Meeks
Producer
Mark specializes in commercial risk management solutions. He helps businesses navigate complex insurance needs with tailored coverage options for coastal operations and seasonal enterprises.
Elaine Garrett
Administrative Assistant
Elaine supports policy servicing and client communications. Her attention to detail ensures smooth claims processing and timely policy renewals for personal and business clients.
Mike Harris
Producer
Mike focuses on personal insurance products, helping families protect homes and vehicles. He provides expert guidance on flood insurance and coastal risk mitigation strategies.
Speer Kitchens
Producer
Speer specializes in specialty insurance markets. He develops customized solutions for unique risks including secondary dwellings, coastal properties, and niche commercial operations.
Questions
What types of insurance do you offer?
We provide auto, home, flood, condo, RV, business owners policies, workers compensation, and liquor liability insurance for Alabama residents and businesses.
Do you specialize in coastal property insurance?
Yes, we offer coastal wind and hail coverage, flood insurance, and specialty policies for beachfront properties and seasonal rental units along the Gulf Coast.
Can businesses get bundled insurance packages?
Our Business Owners Policies combine property, liability, and business interruption coverage. We customize commercial packages for restaurants, retailers, and service providers.
What areas do you serve?
We serve Gulf Shores, Orange Beach, Daphne, Fairhope, Bay Minette, and all South Baldwin County communities from our Gulf Shores office location.
How do I file an insurance claim?
Contact our office directly at 251-968-6174 to report claims. Our team guides you through the process and coordinates with insurance carriers for timely resolution.
