Contractor Insurance
in ALABAMA
Stay Compliant and Protected in Alabama's High-Risk Construction Environment
Working in Alabama’s construction industry means navigating jobsite risks, client expectations, and licensing requirements. Whether you’re building homes in Huntsville or roofing in Mobile, you need insurance that meets state regulations—and protects your crew, tools, and reputation.
At Affordable Contractors Insurance (ACI), we offer tailored, affordable coverage designed for Alabama contractors, both general and specialty trades.
Why Contractors in Alabama Choose ACI
Local Expertise:
We understand Alabama’s licensing rules and jobsite risks.
Fast Certificates:
Get same-day proof of coverage.
Bundled Savings:
Save 15% or more by combining policies.
No-Hassle Quotes:
We compare top policies so you don’t have to.
Flexible Payments:
Start coverage with just 20% down.
Insurance Coverage We Offer in Alabama
We provide a full range of contractor insurance solutions that can be customized to your trade, risk level, and business size.
- General Liability Insurance
Protects you from third-party claims related to property damage, bodily injury, or completed work.
- Workers’ Compensation
Covers job-related injuries, medical expenses, and lost wages for your employees as required by state law.
- Commercial Auto Insurance
Insures work vehicles used for transporting tools, equipment, or materials between job sites.
- Tools & Equipment Coverage
Covers theft, loss, or damage to valuable tools and machinery—whether in your truck or on the jobsite.
- Builder’s Risk Insurance
Protects buildings under construction from fire, weather damage, theft, and vandalism.
- Professional Liability Insurance
Helps cover claims of design errors, code violations, or project miscommunications—beneficial for specialty contractors.
Who We Cover in Alabama
Working a trade in Alabama? We’ve built insurance that fits your boots on the ground.
- General Contractors
- Electricians
- Plumbers
- Roofers
- HVAC Technicians
From roofing to remodeling, we insure contractors that keep Alabama building.
How Much Does Contractor Insurance Cost in Alabama?
Your insurance costs will depend on your trade, number of employees, coverage limits, and claims history. Most Alabama contractors pay from $85 to $250 per month, depending on coverage.
Cost Factors
- Policy Type
Riskier trades like roofing typically have higher premiums.
- Coverage Limits
Higher limits offer more protection but cost more.
- Deductibles
Choosing a higher deductible lowers your monthly rate.
- Annual Revenue & Payroll
Larger operations often pay more.
- Claims History
Fewer claims can mean lower premiums.
Want a more accurate number?
Alabama Contractor Insurance Requirements
General Liability Insurance
Not required by state law to obtain a contractor license, but often required by clients and general contractors before work begins. Protects your business from lawsuits or damage claims.
Workers’ Compensation Insurance
Required if you have five or more employees. Covers medical care, lost wages, and rehabilitation for injured workers.
Surety Bond
Some cities or municipalities may require bonds for permitting. Check your local regulations or ask our experts for help.
Requirements may vary by trade and county. Contact us for personalized guidance.
Get a Free Contractor Insurance Quote
in ALABAMA
You focus on the job—we’ll handle the coverage. Get a fast, no-pressure quote designed for your trade.