Small business insurance in Alabama with Huckleberry Insurance

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Small business insurance in Alabama with Huckleberry Insurance

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

Small business insurance in Alabama with Huckleberry Insurance

Workers’ comp will protect your employees if they ever experience an illness or injury caused by their job. It’ll cover wage loss, medical costs, and rehabilitation.

Small business insurance in Alabama with Huckleberry Insurance

A business owner’s policy is a combination of necessary coverages that protect your business in several circumstances. It contains business interruption insurance, general liability insurance, and property coverages.

General liability insurance pays out legal fees and settlement costs if a third party sues your company for bodily injury or damage of property.

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).

Small business insurance in Alabama with Huckleberry Insurance

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

Employment Practices Liability

Safeguards your business if an employee ever accuses you of harassment, career sabotage, or mismanagement of benefits.

Hired and Non-Owned Auto

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).

Professional Liability

Pays out for legal expenses and possible settlement costs if your business causes harm to a client.

Liquor Liability

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.)

Equipment Breakdown

Covers the repair or replacement of mechanical or electrical machinery needed to conduct business (if it breaks down for a covered reason).

Restaurant Endorsement

A combination of useful coverages which safeguards your restaurant in a variety of unplanned circumstances.

Employee Dishonesty

Pays out for income loss because of an employee stealing from you—whether the theft was direct or indirect.

The most common industries getting small business insurance in Alabama

Landscaping & Lawn Care

Landscaping & Lawn Care

Commercial Cleaning

Commercial Cleaning

Heating & Air Conditioning

Heating & Air Conditioning

Small business insurance in Alabama with Huckleberry Insurance

4 reasons why business owners in Alabama love Huckleberry

  1. It’s fast. Most businesses get the coverages they need in 5 minutes flat.
  2. It’s easy. We lay out all the details in plain English.
  3. It’s affordable. There’s a good chance your premium will be much lower.
  4. It’s paperwork- free. Everything you need is in our online business insurance portal.

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