General liability covers common risks for small businesses in Alabama, including customer property damage and injuries. Commercial leases often require this policy.
A BOP bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial insurance for an Alabama business.
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 policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.
Workers’ compensation is required for Alabama businesses that have five or more employees. It can cover medical costs for work injuries.
This policy protects Alabama small businesses against data breaches and cyberattacks that affect your business or a client.
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.
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.
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.
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.
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.
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.