Our Products and Services

O.M. Hughes Insurance, Inc. has proudly partnered with many carefully selected insurance companies allowing us to offer our customers the insurance protection they need and the stability they deserve. Therefore, we are able to find insurance products that provide just the right coverage at a competitive price. Our customers can be confident that we will do the work for them to ensure that their insurance costs are minimized, while also knowing that they are insured by the highest quality insurance products.

We offer personal insurance products for customers in all stages of life from young adults to growing families to retirees. We also offer a full menu of the business insurance products needed by all types of companies from start ups to small businesses to long established corporations. Please contact us to learn more about the following types of products:

  • Personal Insurance
  • Business Insurance
  • Life Insurance
  • Bonds

Personal Insurance

Buying your personal insurance involves much more than comparing prices. We pride ourselves in being a trusted advisor for our customers. We ensure that you have the coverage you need to protect what matters to you most. In addition to properly insuring some of your most valuable assets, your home and vehicles, we also focus on adequately protecting your assets from unforeseen liability exposures. We enjoy taking the time to get to know our customers and staying in touch to tailor insurance solutions that are just right.

Here is a list of some of the personal insurance coverages that we provide:

  • Homeowner
  • Rental Properties
  • Condo
  • Automobile
  • Jewelry and other valuables
  • Boat
  • Motorcycle and ATV
  • Mobile Home
  • Recreational Vehicles
  • Personal Umbrella

Please contact us today to learn more and to discuss the right insurance for you.

Business Insurance

Here at O.M. Hughes Insurance we have the experience and expertise to know the risks and exposures faced by a broad spectrum of business types. But, we really want to learn what matters to you most and the unique insurance needs of your business. By getting to know you and your business, we want to continually customize the best combination of coverage and value. We have partnered with many top insurance companies that share our desire to exceed our customers' expectations.

As our world changes, our specially trained staff makes our customers aware of new risks faced by businesses and provides the best insurance solutions. Here is a list of some of the business insurance products we provide:

  • Property
  • General Liability
  • Excess Liability
  • Business Auto
  • Workers Compensation
  • Crime
  • Loss of Income
  • Professional Liability
  • Employment Practices Liability
  • Directors and Officers
  • Equipment
  • Builders Risk

Please contact us today to learn more and to discuss the right insurance for your business.

Life Insurance

Whether you need to start your life insurance program or just need advice about your current policies, there is never a better time than right now to review and update your life insurance. We have the experience and resources to analyze your unique situation and customize a life insurance program that will fit your family. We will consider quotes from insurers with very competitve rates to ensure we provide the best coverage for your budget. Please give us a call or come to see us today.


We are proud to work with these outstanding insurance providers:

Why Choose O.M. Hughes?

  • We've been here for a whileWe’ve been professionally serving the Birmingham, Alabama area since 1945. In all these years, we’ve built a reputation that we stand by.
  • Excellent Customer ServiceCommitted to giving our customers top notch service, in most cases we return all customer calls within the same business day. We want to be there for you when you need us.
  • We custom tailor your insuranceWe have the experience to give you the coverage you need. Not more, not less, just right.

information If you have any questions regarding insurance products and coverages, please contact our office. We have also provided a link below to a glossary of some common insurance terms. If you have any questions regarding this information, please give us a call!

Insurance Term Glossary