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Recommended insurance policies for small businesses in Alabama
General liability insurance
General liability covers common risks for small businesses in Alabama, including customer property damage and injuries. Commercial leases often require this policy.
- Customer injuries at your company
- Damaged customer property
- Copyright and defamation lawsuits
Business owner’s 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.
- Customer injuries
- Damaged customer property
- Damaged business property
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.
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
Errors and omissions insurance
This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.
- Work errors and oversights
- Professional negligence lawsuits
- Late or incomplete work
Workers’ comp insurance
Workers’ compensation is required for Alabama businesses that have five or more employees. It can cover medical costs for work injuries.
- Employee medical expenses
- Wages lost while unable to work
- Lawsuits over employee injuries
Cyber liability insurance
This policy protects Alabama small businesses against data breaches and cyberattacks that affect your business or a client.
- Data breach lawsuits
- Client notification expenses
- Fraud monitoring costs
Commercial auto insurance
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.
- Accidents involving business-owned vehicles
- Theft of a business-owned vehicle
- Damage to a company vehicle
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.
- Accidental client injuries
- 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.
- 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?
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.
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?
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
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.
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.