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.
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.