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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.

Alabama Workers' Compensation Insurance

This coverage, sometimes called workman’s comp insurance, helps protect your business if an employee is injured, contracts an illness, or dies as a result of 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.

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Alabama Professional Liability Insurance

Also known as errors and omissions insurance (or E&O insurance), this policy could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. For instance, you might get sued if you’re a business consultant and your client believes that you gave them incorrect data on which they based a business decision that caused them to lose money. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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Alabama Cyber Insurance

This type of business insurance in Alabama can be purchased as an add-on to a professional liability policy. It helps cover costs related to system hacks or data security breaches in which sensitive data like customer credit card information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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We 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
  • Electrical contractors
  • Exterminators
  • Fast food restaurants
  • Fruit and vegetable markets
  • Garbage haulers
  • Gardeners and landscapers
  • Group home operations
  • Heating and cooling companies
  • Home health care 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 installation
  • 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 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 for small business insurance in Alabama 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 Alabama 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.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

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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 (sometimes called workman’s comp). 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 must 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

It’s recommended that 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 a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. We’re happy to provide instant online quotes including subcontractor insurance quotes.

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.