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).
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.
This policy is important for all Alabama businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.
This policy helps Alabama businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for an Alabama business.
Workers’ compensation insurance is required for Alabama businesses that have five or more employees. It can cover medical costs for work injuries and illnesses.
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.
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.