Mobile

3632 Dauphin St, Mobile, AL 36608

Monday - Friday: 8:00am - 4:30pm

Insurance Brokers in Mobile, AL

As the largest commercial insurance agency in Alabama in 2024, Higginbotham has the resources of a national firm paired with the personalized service of a local insurance agency. Our team lives, works and plays in Mobile, and we’re committed to giving back to the community where we do business. It’s why we strive to exceed expectations and deliver exceptional, client-centered service.

Lyon Fry Cadden Insurance was founded in 1905 and grew to become one of the largest locally owned independent agencies in south Alabama. In 2022, the team’s ability to provide clients with best-in-class solutions grew when Lyon Fry Cadden joined forces with Higginbotham.

Burkholder Insurance was established in 1951 to serve the needs of the individuals, families and businesses in Mobile and across the Gulf Coast. In 2022, Burkholder became a Higginbotham partner, gaining access to a national network of resources and support.

In 2025, the Burkholder and Lyon Fry Cadden teams united to do business under the Higginbotham name in Mobile. While our name may be different, our commitment to relationship-focused service remains the same. Whether you need homeowners’ insurance, coverage for your business or health insurance options for your employees, at Higginbotham, we believe that you deserve more than just an insurance broker – you deserve a partner who gets to know you and is invested in your success.

Request a Quote

Meet Our Mobile Team

What We Offer

Personal Insurance

Commercial Insurance

Employee Benefits

HR Services

Financial Services

Business Insurance in Mobile, AL

In the complex area of business protection, Higginbotham’s team offers a complete range of insurance policies and services. With a deep understanding of regional business needs and access to a wide range of coverage options, our team helps to protect organizations in a variety of sectors.

Whether your company requires a single policy or a comprehensive insurance and risk management program, we work closely with you to help design and adjust your coverage as your needs evolve. Our goal is to be a long-term partner in helping to protect your business – not just a provider of policies.

That’s why our Day Two Services® offer support year-round to make sure you get the most out of your coverage. Our in-house services include risk management, safety and loss control, contract review, claims advocacy and so much more.

Our clients span across all industries, including:

Commercial Insurance Coverages

Business Property

Commercial General Liability

Workers’ Compensation

Commercial Auto and Fleet

Cyber Liability

Errors and Omissions (E&O)

Properties with Hurricane and Wind Risks

Employment Practices Liability (EPLI)

Inland Marine Insurance

Builders’ Risk

Business Owners Policy (BOP)

Pollution and Environmental Liability

Two lawyers are discussing about contract paper, law matters determination, pointing.law and hammer on the table

Surety Bonds in Mobile, AL

Securing the right surety bond can be essential to keep your project or business moving forward. It serves as a financial guarantee that the principal (typically the contractor or company) will fulfill their obligations as outlined in the bond, and has become a requirement for many contractors doing business with government entities.

At Higginbotham in Mobile, our team has experience guiding contractors, businesses and sole proprietors through the bonding process. We support a wide range of surety bond needs, including:

Whether you’re working on a complex construction job or need protection against employee dishonesty, our goal is to simplify the bonding process and provide responsive service at every step.

Personal Insurance in Mobile, Alabama

At Higginbotham, we believe your personal insurance should evolve with you. Our team in Mobile helps individuals and families to find coverage that fits their lifestyle, assets and stage of life – from buying a first home to planning for retirement.

We get to know your needs, and then we build a personal insurance program that aims to reduce coverage gaps and simplify your protection. With access to a wide range of insurance carriers and policy options, we’re here to support you through every chapter of life.

Father Pushing Daughter On Garden Swing At Home

Home Insurance

Adventurous Married Couple With Little Baby Standing Beside Their Car In Nature On A Sunny Day

Car Insurance

Playful happy family having fun moving into new apartment

Renters’ Insurance

Flood Insurance

Life Insurance

Boat Insurance

RV and ATV Insurance

Jewelry box with stylish golden bijouterie on white table, flat lay

Valuable Items

Hurricane and Wind

An Asian Chinese Male Patient Recovering From His Leg Injury And Walking With Crutches In The Hospital

Personal Liability

Private Client Insurance

Owning high-value property and assets often comes with complex insurance needs. Higginbotham’s private client insurance services are tailored to help protect high-value homes, luxury vehicles, vacation homes, fine jewelry, classic cars, art collections, yachts and more.

We work with insurance carriers that specialize in high-net-worth coverage to help create personalized solutions that reflect your lifestyle and risk profile. Our dedicated team offers attentive, year-round service to help support your long-term protection and peace of mind.

Employee Benefits Brokers in Mobile

Providing employee benefits is more than just offering coverage – it’s about helping your people feel supported. At Higginbotham in Mobile, our local team is here to help you deliver benefits that reflect your workforce’s needs while aligning with your business goals.

With the resources of a national firm and the personal service of a hometown partner, we help employers navigate plan design, compliance and long-term benefits strategies with care and clarity. Our team can also work with your existing insurance providers to help enhance your benefits offering without starting from scratch.

Health Insurance

Group Life Insurance

Dental Insurance

Vision Insurance

Retirement Plans

Critical Illness Insurance

Long-Term Care Insurance

Executive Benefits

Short- and Long-Term Disability

Personal Accident Insurance

Health Insurance in Mobile, AL

Choosing the right health insurance coverage is a key part of building a benefits package that supports both your team and your company’s bottom line. That’s why Higginbotham’s team in Mobile works with businesses across the state to help them design and manage health plans that balance coverage, cost and flexibility.

Gap Health Insurance for HDHPs

Gap insurance can help offset out-of-pocket costs that come with high-deductible health plans. This supplemental coverage can work alongside your existing health insurance to help employees manage expenses like deductibles and copays.

Higginbotham’s team can work with your current health insurance provider to identify opportunities for gap coverage, allowing your organization to offer employees added financial protection without changing your core benefits.

Self-Funded Captives

Higginbotham can help employers turn their existing health insurance plan or other group policies into a self-funded program without needing to change insurance providers. A self-funded strategy may offer greater control over plan design, claims management and long-term cost-containment – all while keeping the insurer that your employees are already familiar with.

Our team in Mobile can help evaluate whether a self-funded benefit captive aligns with your business goals, and, if it does, we’ll guide you through the transition to a more flexible funding model.

Comprehensive Benefit Services

A strong employee benefits offering requires more than just selecting the right plans – it also demands ongoing service and support to help keep your program effective year-round. That’s why Higginbotham’s Day Two Services® are built to assist both employers and employees long after open enrollment ends.

Our in-house benefit services are designed to help reduce your HR team’s administrative burden, boost employee engagement and support your organization’s long-term benefits strategy.

Professional services of this caliber are typically available only through multiple vendors, but Higginbotham can perform a variety of functions in a seamless, coordinated effort with your own human resource initiatives. Our value-added services include:

Businesswoman smiling while holding phone and clipboard in modern office

Open Enrollment Support

Employee Wellness Programs

real-estate-agent-explaining-to-client-broker-risk-management

Compliance Assistance

Employee Response Center

Employee Benefit Education

Your Insurance Partner in Mobile, AL

At Higginbotham in Mobile, we bring together local insights and broad capabilities to help protect what matters most to our clients – whether that’s a growing business, a personal legacy or the well-being of their team.

With a commitment to people-first service and customized solutions, our team is here to support you at every stage. Connect with us and discover the Higginbotham difference – when your insurance broker is your partner.

Talk to a Member of Our Team