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Small Business Insurance in Alabama

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Recommended insurance policies for small businesses in Alabama

General liability insurance

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General liability covers common risks for small businesses in Alabama, including customer property damage and injuries. Commercial leases often require this policy.

BEST FOR
  • Customer injuries at your company
  • Damaged customer property
  • Copyright and defamation lawsuits

Business owner’s policy

Business owner’s policy icon

A BOP bundles property insurance and general liability insurance. 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

Professional liability insurance

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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

Errors and omissions insurance

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This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.

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

Workers’ comp insurance

Workers’ compensation insurance icon

Workers’ compensation is required for Alabama businesses that have five or more employees. It can cover medical costs for work injuries.

BEST FOR
  • Employee medical expenses
  • Wages lost while unable to work
  • Lawsuits over employee injuries

Cyber liability insurance

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This policy protects Alabama small businesses against data breaches and cyberattacks that affect your business or a client.

BEST FOR
  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs

Commercial auto insurance

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This policy is required for vehicles owned by Alabama small businesses. It covers injuries and property damage in an accident, along with other types of damage.

BEST FOR
  • Accidents involving business-owned vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle

Commercial umbrella insurance

Umbrella / excess liability insurance icon

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
  • Accidental client injuries
  • Auto accident lawsuits
  • Employee injury lawsuits

Commercial property insurance

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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? Check out our other policies.

What are the insurance requirements for small businesses in Alabama?

State laws can affect which policies you need for your small business. These policies are required for Alabama businesses.
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Workers' compensation insurance

Alabama state law requires businesses with five or more employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by small businesses 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.

How much does small business insurance cost?

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Commercial insurance can be affordable for a small Alabama company. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Why Alabama businesses choose TechInsurance

Gain client confidence

Carrying insurance gives your clients peace of mind, and some contracts even require it. View and print your certificate of insurance any time with TechInsurance.

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Gain client confidence
Carrying insurance gives your clients peace of mind, and some contracts even require it. View and print your certificate of insurance any time with TechInsurance.
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Your insurance questions, answered
TechInsurance's licensed agents specialize in insurance for tech businesses in Alabama. You're provided a dedicated account manager who's ready to help.
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Focus on your passion: business
Our process ensures your Alabama business gets the coverage it needs. That means you can focus on what's important – running your business.
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Find insurance policies for your small business in Alabama

Our agents can help you find policies that fit your company and fulfill state requirements in Alabama. We specialize in insurance for the tech industry, but can cover almost any business type. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

TechInsurance is licensed by the Alabama Department of Insurance as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance and for surplus lines (license number 451858). Verify our licensure with the National Association of Insurance Commissioners by entering Alabama, licensee, business entity, and our license number.