Karri Willis Insurance

09/02/2026

Karri Willis Agency Inc is a Professional Insurance Agency servicing the entire state of Alabama.

Insurance is our business, and great service is our promise. Give us an opportunity to provide you with the best coverage available no matter what your insurance need.

As a qualified Independent Agency, this allows us to offer more competitive rates and various coverage options to you and our existing customers. Most importantly, Our goal is to protect you and your family.

Our mission is to Offer Great Rates, Great Service with Great Attitudes which makes us “A Choice Above”!

We provide quality coverage at reasonable prices for Home, Auto, Business, Life, Health, Flood, Boat, Personal Water Craft, Rental Property and Vacation Homes and Much More!

Karri Willis, Teresa Jones, Michelle Buchanan & Jackie Ridgeway look forward to working for you.

09/02/2026

WHAT IS WHOLE-LIFE INSURANCE?
Sometimes called “straight life” or “ordinary life,” Whole-Life Insurance covers the your entire lifetime. It helps those you leave behind to deal with expenses and loss of income by building cash value that grows tax-deferred and can be accessed throughout your lifetime.

BENEFITS OF WHOLE-LIFE INSURANCE
Premiums and death benefit are fixed
Funds can be withdrawn or loaned out
Rate of return is guaranteed
Prepare your family for the unexpected
Save your family from financial troubles after your death with this predictable coverage policy.

09/02/2026

Accident Prevention for Commercial Policies
Accident prevention is an important part of protecting your business, your employees, your customers, and your bottom line. A strong safety program can help reduce workplace injuries, property damage, liability claims, and costly interruptions. Simple practices such as keeping walkways clear, promptly cleaning spills, maintaining equipment, providing proper lighting, and regularly inspecting the premises can prevent many common accidents.

Businesses should also provide employees with appropriate safety training and establish clear procedures for reporting hazards and accidents. Keeping accurate maintenance and inspection records can help identify problems before they lead to a loss. Depending on the type of business, additional precautions may include proper lifting procedures, personal protective equipment, vehicle safety programs, fire prevention, and secure storage of tools and materials.

Preventing accidents can also have a positive impact on your commercial insurance program. Fewer claims and a strong history of safety practices may help a business maintain better loss experience and can be viewed favorably by insurance carriers.

IMPORTANT INSURANCE NOTE: Wear and tear resulting from neglected or improper maintenance is generally NOT COVERED by commercial property insurance. Business owners are responsible for routine maintenance and repairs to help prevent avoidable losses.

Additionally, water damage generally must result from a sudden and accidental event for coverage consideration. Ongoing leaks, seepage, deterioration, or damage caused by a lack of maintenance may be excluded.

Actual coverage is always subject to the specific policy's terms, conditions, limitations, and exclusions.

PREVENTION IS KEY — Inspect. Maintain. Repair. Document. Protect your business!

09/02/2026

08/31/2026

Accident Prevention for Commercial Policies

Accident prevention is an impo
rtant part of protecting your business, your employees, your customers, and your bottom l0ine.
A strong safety program can help reduce workplace injuries, property damage, liability claims, and costly interruptions.
Simple practices such as keeping walkways clear, promptly cleaning spills, maintaining equipment, providing proper lighting, and regularly inspecting the premises can prevent many common accidents.

Businesses should also provide employees with appropriate safety training and establish clear procedures for reporting hazards and accidents. Keeping accurate maintenance and inspection records can help identify problems before they lead to a loss. Depending on the type of business, additional precautions may include proper lifting procedures, personal protective equipment, vehicle safety programs, fire prevention, and secure storage of tools and materials.

Preventing accidents can also have a positive impact on your commercial insurance program. Fewer claims and a strong history of safety practices may help a business maintain better loss experience and can be viewed favorably by insurance carriers.

IMPORTANT INSURANCE NOTE: Wear and tear resulting from neglected or improper maintenance is generally NOT COVERED by commercial property insurance. Business owners are responsible for routine maintenance and repairs to help prevent avoidable losses.

Additionally, water damage generally must result from a sudden and accidental event for coverage consideration. Ongoing leaks, seepage, deterioration, or damage caused by a lack of maintenance may be excluded.

Actual coverage is always subject to the specific policy's terms, conditions, limitations, and exclusions.

PREVENTION IS KEY — Inspect. Maintain. Repair. Document. Protect your business!

Karri Willis
[email protected]

08/29/2026

REPLACEMENT COST vs. ACTUAL CASH VALUE (ACV)
Do you know the difference?
🔹 REPLACEMENT COST
Generally helps pay the cost to repair or replace damaged covered property with comparable new property, subject to your policy terms and limits.
🔹 ACTUAL CASH VALUE (ACV)
Generally considers depreciation, so the amount paid may be less than the cost to replace the damaged property with new property.
💡 Example:
Your 10-year-old roof is damaged by a covered loss. Replacement Cost and ACV coverage could result in very different claim payments.
CHEAPER COVERAGE ISN’T ALWAYS BETTER COVERAGE!
Not sure what your policy provides? Let KWA help you understand your coverage.
📞 256-586-2442
📧 [email protected]
KWA INSURANCE
Great Rates • Great Service • Great Attitudes!
If You Own It, We Can Insure It!