Small business insurance in Alabama
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Tailored small business insurance in Alabama
The majority of businesses in Alabama are small businesses. It’s not an exaggeration to say they power the state’s economy. Unfortunately, small businesses face a wide variety of risks like employee injuries and lawsuits related to professional advice or services. You hope these kinds of things never happen to you, but it’s not uncommon for a small business to be hit with a loss at some point. That’s why Alabama companies need business insurance. biBerk is trusted for business insurance in Alabama. We understand the challenges of Alabama small businesses, and we offer flexible, affordable policies to protect you from them. Check out the critical coverages below.
Alabama Workers' Compensation insurance
This policy, sometimes called workers' comp or workman’s comp insurance, helps protect your business if an employee gets hurt, contracts an illness, or dies due to an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. Your employee suffered a back injury at work? That can be covered by a workers’ comp policy.
Workers' Compensationchevron_rightAlabama Professional Liability insurance
Also called errors and omissions insurance ( or E&O insurance), this policy could protect you from the cost of damages and legal fees if someone says your professional service hurt them or their business financially. For instance, you might get sued if you’re a business consultant and your client believes incorrect information you gave them led to a decision that caused them to lose money. Coverage includes both mistakes by your business (errors) and the failure to perform a service (omissions). In Alabama, liability insurance is crucial for professionals. You should definitely consider it if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.
Professional Liabilitychevron_rightAlabama Cyber insurance
You can buy this type of business insurance in Alabama as an add-on to a professional liability policy. It helps cover costs related to system hacks or data security breaches where someone steals sensitive data like customer credit card information and uses it to commit fraud or is likely to.
Cyber Insurancechevron_rightWe cover all kinds of professionals and businesses in Alabama, including:
- Automobile repair shops
- Bars, lounges, and nightclubs
- Beauty parlors
- Bookkeepers and accountants
- Building services providers
- Business consultants
- Carpentry services
- Certified financial analysts
- Clerical office employees
- Clothing, retail, and other stores
- Commodities and securities businesses
- Computer programmers
- Concrete construction companies
- Contractors
- Day camps
- Dentists
- Doctors' offices
- Electrical appliance repair experts
- Electrical contractors
- Exterminators
- Fast food restaurants
- Fruit and vegetable markets
- Garbage haulers
- Gardeners and landscapers
- Group home operations
- Heating and cooling companies
- Home healthcare services
- Indoor stone and marble installers
- Insurance agents
- IT consultants
- Janitorial services
- Law firms and legal services
- Masons
- Messengers
- Painters
- Paperhanging businesses
- Personal service providers
- Photography businesses
- Plumbing services
- Precision-machined parts manufacturing
- Professional carpet installers
- Public relations agencies
- Real estate agents and operators
- Recreation services
- Residential cleaning services
- Restaurants
- Sales professionals
- Software developers
- Travel agents
- Truckers
- Wallboard installation companies
- Welding and metal cutting companies
Why choose biBerk for business insurance in Alabama?
We’re the experts when it comes to Alabama insurance coverage for small businesses.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.
Experienced.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $52.2 billion in paid claims in 2023.
Why is biBerk better for AL business insurance?
Whether it’s Alabama workers’ compensation insurance or other small business insurance, we’re often less expensive (up to 20% less) and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.
Your statewide source for Alabama insurance
Since we’re an online insurance provider, you can connect with us easily, wherever you are, to get:
- • Business insurance in Birmingham, AL
- • Business insurance in Montgomery, AL
- • Business insurance in Mobile, AL
- • Business insurance in Huntsville, AL
- • Business insurance in Tuscaloosa, AL
- • Business insurance in Auburn, AL
- • Business insurance in Decator, AL
- • Business insurance in Madison, AL
- • Business insurance in Hoover, AL
- • Or any Alabama location!
Who relies on biBerk for small business insurance in Alabama?
We work with a wide range of business owners in Alabama.
Supporting entrepreneurs
Entrepreneurs starting their first businesses turn to us for basic information about insurance, such as how it can protect their companies from things like property damage, employee injuries, and third-party lawsuits. They want affordable coverage along with insights on insurance-related legal requirements and compliance. Owners who buy policies from biBerk get rock-solid financial protection and peace of mind that lets them stay focused on growing their businesses.
Assisting freelancers and independent contractors
When you work independently, the responsibility for protecting your business financially is on your shoulders. That can be a heavy load! We emphasize to freelancers and independent contractors that they’re not alone when it comes to business insurance. Our licensed insurance experts are happy to talk with them about how business insurance can cover costs when unexpected incidents occur, answer compliance-related questions, and help them select the right coverages. Since they often have tight budgets, they’re also glad to learn that our costs can be as much as 20% less than those of other providers.
Advising seasoned business owners
Owners of established businesses trust biBerk for guidance on how to modify their insurance strategies as their companies grow and change. We ensure they have the comprehensive coverage they require, working with them to reevaluate their policies regularly and recommend enhancements as needed. Experienced business owners tend to view us as an insurance advisor rather than just an insurance provider.
Small business insurance in Alabama: What’s required?
Workers' Compensation
In Alabama, every business that has five or more full- or part-time employees, including officers of a corporation, is required to carry workers’ compensation insurance. Also, all businesses with one employee or more in the business of constructing or assisting on-site in the construction of new single-family, detached residential dwellings have to carry workers' compensation insurance. You can receive substantial fines and criminal penalties if you’re required to have a workers’ comp policy and are caught doing business without it.
Other Alabama business insurance policy considerations
We recommend you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.
What does small business insurance cost in Alabama?
Our policies are among the most cost-effective available from insurance companies in Alabama. Your cost for business insurance in Alabama depends on multiple factors, including your industry, number of employees, and amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. You can get instant online quotes including subcontractor insurance quotes.
Frequently asked questions about commercial insurance in Alabama
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What types of insurance are typically required for small businesses in Alabama?
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Workers' compensation insurance is required for most businesses with employees. Other coverages may be mandated based on the type of business and other factors. Local and state authorities can answer specific questions about insurance requirements.
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How much does commercial insurance in Alabama cost?
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The cost of small business insurance varies based on coverage types and business specifics, but often, small businesses can get hundreds of thousands of dollars in coverage for just hundreds annually. You can get a quote online to check your insurance costs.
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How do I determine the right coverage amounts for my small business in Alabama?
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First, assess your business risks, size, and operations. Then get quotes for the policies you need, talking with a biBerk representative if you have questions.
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What is the typical process for filing an insurance claim in Alabama?
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You should report the claim to your insurance provider, provide necessary documentation, and cooperate with their investigation to ensure things go as smoothly as possible.
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How quickly can I expect my insurance claims to be processed and resolved in Alabama?
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Claim processing times vary, but it typically takes a few weeks to a couple of months, depending on the complexity of the claim.
Small business insurance in Alabama in three simple steps
Get a quote.
Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.
Buy a policy.
Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.
Get a certificate.
Download an instant Certificate of Liability Insurance immediately after purchasing a policy.
Get a quote today.
When looking for coverage from Alabama insurance companies, you can save up to 20% with biBerk.