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Small business insurance in Alabama
Small business is serious business in Alabama. The Cotton State is home to 396,432 small businesses which provide jobs for a staggering 789,425 people (or 47.2% of private sector employees). As an entrepreneur in Alabama, you can be proud knowing you’re such an integral part of the economic climate—and you need the best small business insurance to keep the momentum going. Huckleberry can get your business the protection it needs in about the same amount of time it takes to make a cup of coffee. And the form is all online—simple and easy.
The most common types of small business insurance in Alabama
Business property insurance pays out to repair or replace your building if it’s damaged or destroyed for a covered reason. (Meanwhile, business personal property insurance reimburses you for the objects inside your building.)
If you ever have to put a temporary hold on business operations for a covered reason, business interruption insurance is there to help with ongoing costs (like taxes and payroll) as well as emergency costs (like a temporary worksite).
How much do Alabamians pay for small business insurance?
The median cost of Alabama workers’ comp for Huckleberry customers is $1,247 per year. For general liability, it’s $1354—and for a BOP (business owner's policy), it’s $812.
Bear in mind that these numbers will probably not be your numbers. You could pay higher or (much) lower premiums for Alabama business insurance depending on a number of important factors (such as your industry, your location, and how many people work for you). The easiest way to find out what your premium would be is to get an estimate from our 60-second insurance rate calculator here.
Other coverages you can add to your Alabama policy
Safeguards your business if an employee ever accuses you of harassment, career sabotage, or mismanagement of benefits.
Takes care of liability costs if someone from your business causes damage with a vehicle your company doesn’t own (like a rental van or an employee’s car).
Pays out for legal expenses and possible settlement costs if your business causes harm to a client.
Covers legal fees and medical bills if your business serves alcohol to an obviously intoxicated customer who proceeds to cause bodily injury or property damage to another party.
Helps businesses recoup the cost of perishables that go bad because of a power outage or fridge malfunction. (It’s especially important for restaurants.)
Covers the repair or replacement of mechanical or electrical machinery needed to conduct business (if it breaks down for a covered reason).
4 reasons why business owners in Alabama love Huckleberry
- It’s fast. Most businesses get the coverages they need in 5 minutes flat.
- It’s easy. We lay out all the details in plain English.
- It’s affordable. There’s a good chance your premium will be much lower.
- It’s paperwork- free. Everything you need is in our online business insurance portal.
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