Complete Insurance for Alabama Contractors

Navigating the licensing and insurance landscape in Alabama is a critical step for any contractor. The state has specific requirements that vary based on the type and size of the projects you undertake. Understanding these rules is key to operating legally and protecting your business.

For instance, the Alabama Board for General Contractors requires a state license for any commercial or industrial project exceeding $50,000. Similarly, residential construction over $10,000 requires a license from the Home Builders Licensure Board. Part of the licensing process involves demonstrating financial stability and providing proof of insurance.

Most licensing boards, and indeed most clients, will require you to carry General Liability insurance. This is the foundational coverage that protects you from claims of property damage or bodily injury to third parties. In Alabama, if you have five or more employees, you are also legally required to have Workers' Compensation insurance. This covers medical expenses and lost wages for employees injured on the job. For many contractors, even if you have fewer than five employees, the general contractor overseeing the project will require you to have workers' comp as a condition of your contract.

At TCDS Insurance, we specialize in helping Alabama contractors navigate these requirements. We can bundle your General Liability, Workers' Comp, Commercial Auto, and Inland Marine (Tools & Equipment) coverage into a single, affordable package that meets all state and client requirements.