Business Insurance in Alabama

Compare multiple quotes from top carriers with one application.
What kind of work do you do?
Camellias, Alabama's state flower.
Logos of Insureon's Partners
We partner with trusted A-rated insurance companies

Get small business insurance for your Alabama business

United States map.

Learn about Alabama's insurance requirements

Online application for small business insurance.

Complete one free online application

Multiple small business insurance quotes to compare.

Compare multiple quotes and choose the best coverage

Recommended insurance policies for small businesses in Alabama

General liability insurance icon

General liability insurance

This policy is important for all Alabama businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.

  • Customer injuries at your business
  • Damaged customer property
  • Slander, libel, and other advertising injuries
Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for an Alabama business.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), protects Alabama businesses that provide professional services or advice. It covers lawsuits related to work performance.

  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Errors and omissions insurance icon

Errors and omissions insurance

E&O, sometimes called professional liability insurance, is common with professional services. It can cover the cost of lawsuits related to your work performance.

  • Missed deadlines
  • Accusations of negligence
  • Errors and oversights
Workers’ compensation insurance icon

Workers’ compensation insurance

Alabama requires workers' comp for businesses with five or more employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Cyber liability insurance icon

Cyber liability insurance

This insurance coverage helps Alabama small businesses survive data breaches and cyberattacks. It can cover notification costs, legal fees, and more.

  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs
Commercial auto insurance icon

Commercial auto insurance

This policy is required for business-owned vehicles in Alabama. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

  • Accidents involving business vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Umbrella insurance boosts coverage on your general liability insurance, commercial auto insurance, and employer's liability insurance when the underlying policy reaches its limit.

  • Customer lawsuits
  • Auto accident lawsuits
  • Employee injury lawsuits
Commercial property insurance icon

Commercial property insurance

This policy covers the value of a business's physical structure and its contents, such as inventory, equipment, and furniture. Bundle it with general liability coverage in a BOP for savings.

  • Fire
  • Theft and vandalism
  • Weather damage
Looking for different coverage? See more policies.

Alabama business insurance requirements

State laws can affect which types of business insurance coverage you need. These policies are required in Alabama, from Birmingham to Huntsville.

Blue check mark

Workers' compensation insurance

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. That includes officers of a corporation and members of a limited liability company (LLC).

This business insurance policy covers medical bills for work injuries and illnesses. It also provides part of the wages lost while the employee is recovering and unable to work.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Alabama must be covered by commercial auto insurance. Alabama's state minimum limits for auto insurance are:

  • $25,000 property damage liability per accident
  • $50,000 bodily injury liability per accident
  • $25,000 bodily injury liability per person

Trucking companies may need additional coverage to comply with regulations.

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

How much does small business insurance cost?

Business woman calculating costs of insurance.

Small business owners in Alabama can find affordable property and liability insurance coverage. Factors that influence the cost include:

  • Your industry and risk
  • Business operations
  • Location
  • Number of employees
  • Coverage limits
  • Types of insurance purchased
View Small Business Insurance Costs
What our customers are saying
Carousel prev arrow
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."
Richard C.
Software / internet design
"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."
Michael D.
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."
Esther L.
Management consultant
Carousel next arrow
Insureon customer reviews on Feefo

Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find policies that fulfill Alabama's requirements and prevent unexpected financial loss. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

In Alabama, insurance agencies and agents 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 National Association of Insurance Commissioners.

Compare quotes for Alabama business insurance
Save money by comparing business insurance quotes from top carriers.
What kind of work do you do?