Alabama business insurance

Alabama

Savings Tips

  • The most-costly Alabama hurricane in recent years was 2004's Hurricane Ivan, which caused 1.8 billion in insured losses. Be sure you have appropriate Alabama business insurance provisions to protect your business against losses the next time a major hurricane takes aim at Alabama.
  • Due to the seasonal threat of hurricanes in Alabama, check your insurance policies for provisions addressing flooding, water and wind damage. Because these may not be included with a standard property insurance policy, ask your Business Insurance Now agent if you need to purchase additional coverage.
  • Alabama law requires many companies with four or more employees to carry workers compensation insurance. If your business has at least four employees, ask Business Insurance Now about adding workers comp to your Alabama business insurance policies.

Alabama Business Insurance

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Can't find your Industry?

Whether you've hung out your shingle in a big city like Birmingham or a quaint smaller city like Tuscaloosa, Alabama is a great state to be in business. Service industries, from health care to law firms to engineering companies, are the largest contributors to the state's gross product output. Buying the right insurance–such as workers' compensation, general liability and professional liability–can help you protect your business investment and keep growing strong.

Beyond Disaster Protection: Insurance in Alabama

If Alabama is your sweet home, you're no stranger to hurricanes, and you know first-hand how much damage they can do. After Hurricane Katrina alone, FEMA paid more than $278 million in claims. No matter where you're located in the state, Alabama businesses of all types need insurance coverage for property damage and business interruption, due to the risk of damage from high winds and rain that can shut down businesses for days, weeks or even months. Ask your agent to be sure you have the insurance coverage you need to get back to business faster when a bad storm comes your way.

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Let us help you find and bind any of the following coverages:

Business Liability Insurance Package Policy. Often referred to as a Business Owner Policy or "BOP," this General Liability package policy protects your company in the event a client is injured on your premises, or if you or one of your employees causes an injury or property damage at a client's location.

Professional Liability Insurance. Professional Liability or "Errors & Omissions" Insurance provides coverage in the event you are legally obligated to pay for economic damages to your client or a third party caused by your alleged negligent or improper advice -- or other errors or omissions in your work. This coverage is critical for professional services companies.

Workers Compensation Insurance. Required in many states, Workers' Compensation Insurance provides medical and disability coverage for company employees in the event of a work-related illness or injury.

Employment Practices Liability Insurance. EPLI insurance provides the protection you need should one of your employees allege any number of employment practice violations. These violations include age, race or gender discrimination, wrongful termination and sexual harassment. EPLI is essential coverage in today's litigious workplace.