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Alabama's Workers' Compensation Law requires you to carry Workers' Comp coverage if you have more than five employees, full-time or part-time (including officers of a corporation). Employers of domestic employees, farm laborers, or casual employees and municipalities having a population of less than 2,000 (according to the most recent federal census) are not required to provide coverage.

AL Workers' Comp: Key Details

  • Sole proprietors in Alabama can purchase Workers' Comp for themselves, but must complete a WC14 Part I Form and file it with the Alabama Department of Labor.
  • Sole proprietors can opt out of carrying the coverage.
  • AL businesses with fewer than five employees are exempt from carrying coverage.
  • There is no state funded WC pool. Coverage must be purchased through a commercial insurance provider. Self insurance is also permitted for approved businesses.

For more on Worker's Comp laws in Alabama, check out the Alabama Department of Labor's insurance requirement information.

Workers' Compensation Insurance Laws By State