Business Insurance in Alabama

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Get small business insurance for your Alabama business

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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.

BEST FOR
  • Customer injuries at your business
  • Damaged customer property
  • Slander, libel, and other advertising injuries
Professional liability insurance icon

Professional liability insurance

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.

BEST FOR
  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
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.

BEST FOR
  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs
Business owner’s policy icon

Business owner’s policy

This policy bundles 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 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.

BEST FOR
  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
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.

BEST FOR
  • Accidents involving business vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Errors and omissions insurance icon

Errors and omissions insurance

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

BEST FOR
  • Business disputes
  • Accusations of negligence
  • Errors and oversights
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.

BEST FOR
  • Third-party bodily injury lawsuits
  • Third-party property damage 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.

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.
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
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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 Alabama Department of Insurance Licensee Lookup.

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