Question 1

What types of commercial insurance do Alabama businesses need?

Accepted Answer

Most Alabama businesses need General Liability ($500-$3,000/year), Commercial Property ($500-$5,000/year), Workers Compensation (varies by industry), and Commercial Auto if you have business vehicles. Professional services may also need Professional Liability insurance.

Question 2

How much does commercial insurance cost in Alabama?

Accepted Answer

Small businesses typically pay $500-$3,000/year for General Liability, $500-$5,000/year for Commercial Property, and $1,000-$10,000/year for Workers Compensation depending on industry and payroll. Total cost depends on your business type, size, and coverage needs.

Question 3

Is commercial insurance required in Alabama?

Accepted Answer

Alabama requires Workers Compensation if you have 5+ employees. Commercial Auto insurance is required if you have business vehicles. General Liability and Commercial Property are not legally required but are strongly recommended and often required by landlords or contracts.

Question 4

What does General Liability insurance cover?

Accepted Answer

General Liability covers bodily injury to customers or visitors, property damage you cause to others, advertising injury, and legal defense costs. It does NOT cover your own property, your own injuries, professional errors, or employee injuries.

Question 5

What's the difference between a BOP and separate policies?

Accepted Answer

A Business Owners Policy (BOP) bundles General Liability and Commercial Property into one policy, typically saving 15-30% compared to buying separately. BOPs are ideal for small businesses with standard risks. Larger or higher-risk businesses may need separate policies for more customization.

Question 6

How do I get a commercial insurance quote in Alabama?

Accepted Answer

Contact TCDS Insurance Agency at (205) 847-5616 or request a quote online. We'll ask about your business type, revenue, number of employees, property value, and coverage needs. We quote 10+ carriers to find the best rate and coverage for your Alabama business.

Commercial Insurance in Alabama

Commercial Insurance Alabama Cost Ranges

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