Contractors Insurance Alabama

Complete contractor insurance packages for Alabama builders. General liability, workers comp, equipment, and commercial auto bundled for savings.

Contractor Insurance in Alabama

Alabama contractors need comprehensive insurance to protect their business, employees, and clients. TCDS Insurance Agency specializes in contractor insurance, comparing rates from 50+ carriers for general contractors, subcontractors, electricians, plumbers, HVAC technicians, roofers, and specialty trades.

Essential Contractor Coverage

Most Alabama contractors need General Liability, Workers Compensation, Commercial Auto, Inland Marine (tools and equipment), and Builder's Risk insurance. Many project owners and general contractors require proof of insurance with specific limits before you can bid on or start work.

Contractor Insurance Costs

Contractor insurance costs vary widely by trade. General liability for a general contractor typically costs $1,500-$5,000 per year, while workers compensation costs depend on your payroll and classification code. Roofing and electrical contractors pay higher rates than painters or landscapers due to increased risk.

Get a free contractor insurance quote from TCDS Insurance Agency and meet your project requirements with affordable coverage.

What insurance do contractors need in Alabama?

Alabama contractors typically need general liability, workers compensation, commercial auto, tools/equipment coverage, and a surety bond. Requirements vary by license type and city.

How much does contractor insurance cost in Alabama?

General liability starts around $500-$1,500/year for small contractors. Workers comp, commercial auto, and equipment coverage add to the total. TCDS bundles these for savings.

Is workers comp required for Alabama contractors?

Alabama requires workers compensation for businesses with 5 or more employees. Some general contractors require subcontractors to carry it regardless of employee count.

What is a contractor surety bond?

A surety bond guarantees you will complete work according to contract terms. Alabama requires bonds for certain license types, typically ranging from $10,000 to $50,000.

TCDS Insurance Agency · 4316 Main St, Pinson, AL 35126 · (205) 847-5616 · info@tcdsagency.com