TCDS Insurance Agency

Alabama Office & Professional Services Insurance

Office-based businesses need more than just a BOP. We help Alabama professional services firms add MPL, cyber, and EPL coverage to protect against the risks unique to knowledge-based work.

Call (205) 847-5616
Quick Answer

What insurance does an Alabama office or professional services firm need?

Alabama offices need a BOP for general liability and property, plus Miscellaneous Professional Liability (MPL) for errors and omissions claims. Cyber liability protects client data, and Employment Practices Liability (EPL) covers wrongful termination and discrimination claims. Most office classes under $5M revenue qualify for standard BOP programs.

Who Is This For?

Accounting and CPA firms
Real estate agencies and agents
Insurance agencies
Law offices and attorneys
Medical and dental offices
Title companies and agents
Engineering and consulting firms
Financial planning offices

Coverage Options

Tailored protection for your business. We shop 50+ carriers to find the best combination of coverage and price.

General Liability

Covers visitor injuries and property damage at your office.

$400–$1,500/yr

Commercial Property

Protects office furniture, computers, and equipment.

Included in BOP

Professional Liability (MPL)

Covers errors, omissions, and professional negligence claims.

$1,000–$5,000/yr

Cyber Liability

Essential for offices handling client financial or personal data.

$500–$2,500/yr

Employment Practices (EPL)

Covers wrongful termination, discrimination, and harassment claims.

$800–$3,000/yr

Business Income

Replaces lost revenue during covered office closures.

Included in BOP

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Am I a Fit? Quick Eligibility Check

Review these guidelines to see if your business qualifies for our preferred programs.

Professional offices under $5M revenue
Accountants, real estate agents, insurance agents, attorneys
Medical offices, title companies, and consulting firms
Engineering firms with field work may need additional coverage
Staffing agencies and high-risk consulting operations need specialty markets

Frequently Asked Questions

How much does office insurance cost in Alabama?
Most Alabama offices pay $1,000 to $4,000 per year for a BOP, plus $1,000 to $5,000 for professional liability depending on the profession and revenue.
Do I need professional liability insurance?
If you provide advice, recommendations, or professional services, MPL protects you against claims of errors, omissions, or negligence — even if you did nothing wrong.
Is cyber insurance important for small offices?
Yes. Any office that stores client data, processes payments, or uses email for business communications is at risk. A single data breach can cost $50,000 or more.
What is EPL insurance and do I need it?
Employment Practices Liability covers claims from employees alleging wrongful termination, discrimination, harassment, or retaliation. Any office with employees should consider EPL coverage.

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.

(205) 847-5616