Alabama Contractor Insurance
We know which contractor operations fit standard BOP programs — and which ones don't. Get tailored coverage for your Alabama trade contracting business from 50+ carriers.
What insurance does an Alabama contractor need?
Alabama contractors need a Business Owners Policy (BOP) for general liability and property coverage, commercial auto for work trucks, and workers' compensation for employees. Most trade contractors — plumbers, electricians, HVAC techs, painters, landscapers, and handymen — qualify for standard BOP programs if they stay under $5M revenue and avoid excluded operations like roofing, structural work, or exterior work above 3 stories.
Who Is This For?
Coverage Options
Tailored protection for your business. We shop 50+ carriers to find the best combination of coverage and price.
General Liability
Covers property damage, bodily injury, and completed operations claims.
$800–$3,000/yrCommercial Property
Protects your shop, tools, and equipment.
Included in BOPCommercial Auto
Covers work trucks, vans, and trailers.
$1,200–$4,000/yrWorkers' Compensation
Required for 5+ employees in Alabama.
Varies by tradeInland Marine
Covers tools and equipment at job sites.
$300–$1,500/yrBusiness Income
Replaces lost income during covered interruptions.
Included in BOPGet Your Free Contractor Insurance Quote
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Am I a Fit? Quick Eligibility Check
Review these guidelines to see if your business qualifies for our preferred programs.
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Frequently Asked Questions
How much does contractor insurance cost in Alabama?
Do I need insurance as a sole proprietor contractor?
What contractor operations are not eligible for standard BOP?
Can I bundle my contractor BOP with commercial auto?
Related Articles
Learn more about protecting your business with these in-depth guides.
Contractor Insurance Requirements Alabama
License requirements, bonds, and insurance costs for Alabama contractors.
Read Article →Workers Comp Alabama Guide
Requirements, costs, and exemptions for Alabama workers compensation.
Read Article →General Liability Cost Alabama
Real GL pricing by industry for Alabama businesses.
Read Article →Ready to Protect Your Business?
Get your free, no-obligation quote in minutes. We shop 50+ carriers to find the best coverage and price for your business.