Business Insurance in Alabama

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What are the requirements for small business insurance in Alabama?

State laws can affect which insurance policies you need for your small business. These policies are required for Alabama businesses.
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Workers' compensation insurance

This policy covers medical bills for work injuries and illnesses. Alabama's workers' compensation law requires small businesses to carry workers' comp coverage if they have five or more employees, full-time or part-time (including officers of a corporation and members of a limited liability company).

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Commercial auto insurance

All business-owned vehicles in Alabama must be covered by commercial auto insurance. Alabama requires $25,000 property damage liability per accident, $50,000 bodily injury liability per accident, and $25,000 bodily injury liability per person.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Recommended insurance policies for small businesses in Alabama

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small Alabama business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
View Small Business Insurance Costs

Insureon specializes in Alabama business insurance

In Alabama, insurance agents and agencies are licensed by the Alabama Department of Insurance. Insureon is licensed in Alabama as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 451858) and for surplus lines (license number 451858). Verify our licensure with the Alabama Department of Insurance Licensee Lookup.

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