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Web developersCompare quotes for Alabama business insurance
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Business Insurance in Alabama
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Recommended insurance policies for small businesses in Alabama
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.
BEST FOR
- Customer injuries at your business
- Damaged customer property
- Slander, libel, and other advertising injuries
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.
BEST FOR
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability insurance
This insurance coverage helps Alabama small businesses survive data breaches and cyberattacks. It can cover notification costs, legal fees, and more.
BEST FOR
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
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.
BEST FOR
- Customer injuries
- Damaged customer property
- Damaged business property
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.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
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.
BEST FOR
- Accidents involving business vehicles
- Theft of a business-owned vehicle
- Damage to a company vehicle
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.
BEST FOR
- Missed deadlines
- Accusations of negligence
- Errors and oversights
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.
BEST FOR
- Customer lawsuits
- Auto accident lawsuits
- Employee injury lawsuits
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.
BEST FOR
- 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.
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.
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?
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
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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.