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 (E&O), protects Alabama businesses that provide professional services or advice. It covers lawsuits related to work performance.
This insurance coverage helps Alabama small businesses survive data breaches and cyberattacks. It can cover notification costs, legal fees, and more.
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.
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.
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.
E&O, sometimes called professional liability insurance, is common with professional services. It can cover the cost of lawsuits related to your work performance.
Umbrella insurance boosts coverage on your general liability insurance, commercial auto insurance, and employer's liability insurance when the underlying policy reaches its limit.
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.
State laws can affect which types of business insurance coverage you need. These policies are required in Alabama, from Birmingham to Huntsville.
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.
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).
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.