Alabama Business Insurance
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We Know How to Help Protect Alabama Businesses
Alabama’s pro-business environment, strategic location, competitive tax incentives, and network of small business resources make it an attractive place to launch and run a business. From business license requirements to workers’ compensation regulations, we can offer local and statewide expertise and guidance to help you insure your new business and continue protecting it as it grows.
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Policies for businesses in Alabama
Types of businesses we protect in Alabama
More than 600 Alabama small businesses are insured by Simply Business
Recommended Policies for Alabama Small Businesses
Alabama business owners often consider these types of coverage.
General Liability Insurance in Alabama
A foundational coverage to cover risks most Alabama businesses may face. It also may be required for many leases.
Median cost in Alabama
From
$50
.00
/ month*
Helps Cover
Third-party bodily injury
Third-party property damage
Personal and advertising injury
Workers’ Compensation Insurance in Alabama
Coverage to help take care of employees who become sick or get injured on the job. Most Alabama businesses with 5 or more employees are required to have workers’ compensation insurance coverage. It also can benefit business owners who don’t have employees.
Median cost in Alabama
From
$155
.00
/ month*
Helps Cover
Medical payments
Lost wages
Rehabilitation expenses
Professional Liability Insurance in Alabama
Also known as Errors and Omissions insurance, this policy is often recommended for businesses that provide advice and guidance to their clients. It also can cover errors that result in unsatisfactory finished work.
Median cost in Alabama
From
$42
.00
/ month*
Helps Cover
Negligence or alleged negligence
Legal defense costs
Claims involving libel and/or slander
Inland Marine Insurance in Alabama
Also known as “tools and equipment coverage” because it can help cover costs if your business property or equipment is damaged or stolen. That means you might not have to pay out-of-pocket to repair or replace your property and can get back to work quickly.
Median cost in Alabama
From
$25
.00
/ month*
Helps Cover
Tools and equipment
Laptops and electronics
Party and special event equipment
Cyber Insurance in Alabama
Cyber insurance — also known as cyber liability insurance — covers the costs of claims associated with stolen customer data, cyberattacks, breaches, and fraud.
Median cost in Alabama
From
$21
.00
/ month*
Helps Cover
Crisis management
Forensic and legal fees
Fraud response
Extortion loss
Public relations costs
Business Owner’s Policy (BOP) Insurance in Alabama
General liability, property insurance, and more all in one package. It can be a convenient, flexible, and more affordable solution for small business owners who don’t have a lot of time to search for different coverages, prices, and providers.
Median cost in Alabama
From
$75
.00
/ month*
Helps Cover
Third-party injuries and property damage
Business property damage
The Small Businesses We Help Protect in Alabama
Top Small Businesses in Alabama
Handyman
From porch repairs in Montgomery to leaky faucets in Mobile, Alabama’s handymen stay busy keeping homes and rentals in shape year-round. But a dropped power tool, cracked window, or slip on a slick driveway can turn a simple job into a financial headache. We help protect your business from everyday risks — so you can keep making the fixes that matter most.
Painting
Whether you’re touching up historic homes in Selma or refreshing storefronts in downtown Birmingham, painters in Alabama face their share of challenges. Humid summers, shifting temps, and tall ladders can add risk to the job. We help cover painting businesses the way you cover walls, with attention and care.
Housekeeping
Weekly cleans in Huntsville. Vacation rentals in Gulf Shores. Move-outs in Tuscaloosa. Housekeepers across Alabama help to keep homes and businesses spotless — but slips, spills, and accidental damage can quickly turn into costly claims. We help protect your business so you can focus on making every space shine.
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
We insure 400+ types of business.
Lawn care services From $29.17/month*
Auto detailing From $17.92/month*
Housekeepers & Maids From $20.83/month*
E-commerce & online retailers From $21.58/month*
Painting and wall covering From $41.67/month*
Helpful Insights from Our Alabama Research Team
At the state level, workers’ compensation is required for most businesses with five or more employees, regardless of the industry. Commercial auto insurance is also required for any business-owned vehicles. And depending on your city, county, or profession, additional requirements may apply.
Meeting the state’s minimum insurance requirements is a good start, but it may not fully protect your business.
For example, a handyman in Tuscaloosa with just one assistant isn’t required to carry workers’ comp — but if that employee gets injured lifting debris or using power tools, the medical bills and lost wages could fall entirely on the business. Optional coverage like workers’ comp and general liability can help fill those costly gaps.
Winning a lawsuit doesn’t mean it won’t cost you. A software developer in Birmingham could be accused of missing a project deadline, or a cleaning service in Mobile might face claims over damage to a client’s property. Legal fees and time away from work can quickly add up — even if you’ve done nothing wrong.
Comparing quotes and coverages can save you money, but it typically can cost you time. We’ve designed a fast and easy online compare-and-save tool for Alabama business owners. No multiple forms to complete. No high-pressure sales calls. See recommendations in minutes and get covered for most policies the same day.
We have more ways to help save on your Alabama business insurance in this helpful guide.
Two ways to lower your premium are opting for lower coverage limits or higher deductibles. Policies that bundle coverages, such as a business owner’s policy, can also save you money over buying separate policies.
We have more ways to help save on your Alabama business insurance in this helpful guide.
Our team of licensed agents can answer Alabama insurance questions, explain coverages, and help you choose what you need. They’re available Monday-Friday: 8 a.m.-8 p.m., ET.
Made in Alabama – Small Business Advocacy
The state’s Small Business Development Division connects entrepreneurs with solutions, champions their needs to policymakers, and helps unlock resources to grow their ventures.
Alabama’s one-stop tax and business resource portal provides step-by-step guides, learning modules, and county-level info on licenses, permits, and tax obligations.
With expert advisors spread across 10 centers statewide, the Alabama Small Business Development Center offers consulting, training, and tools to help you start, manage, and expand your business.
How Much Does Alabama Small Business Insurance Cost?
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Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
400+
business types covered
1M+
customers worldwide
18
top-rated carriers
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*Data from Simply Business customers in Alabama who purchased the identified type of policy from July 1, 2024 through December 31, 2024. Actual prices, costs, premiums, and savings, and the availability of coverage may vary by state, insurance provider, and the nature of your business.
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