Next Insurance

General Contractor Insurance in Alabama

You can save up to 25% in discounts on business insurance.*

Construction Insurance
General contractor insurance that's made for your Alabama business

Alabama general contractor insurance that's customized just for you

NEXT makes it easy for you to save on all the insurance you need to protect your general contractor business in Alabama. Business insurance packages for general contractor businesses in Alabama often include:

  • General liability
  • Professional liability
  • Workers’ compensation
  • Tools & equipment
  • Commercial property

You can save up to 25% on general contractor insurance in Alabama

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic
Lowest Price
General Liability
Per occurrence
$300,000
Tools & Equipment
Per occurrence
$3,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$5,000
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
Find the right general contractor business insurance in Alabama
We have all the business insurance you might need for your general contractor business in Alabama. And you save up to 10% when you combine coverage.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers the risks that affect almost every general contractor business. It’s the most common insurance for small businesses and entrepreneurs, and it’s typically the first policy purchased by new businesses.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Professional Liability (E&O)

Professional Liability (E&O)

Bought by 80% of business owners like you
Professional liability insurance is designed to provide protection to your general contractor business from unexpected expenses if you’re accused of a professional mistake, such as a customer saying you didn’t complete a job on time and wants you to pay for financial losses.

professional liability can help you pay for:

Legal defense costs
Legal judgments
Workers' Compensation

Workers' Compensation

For business owners who hire employees
Workers’ compensation insurance helps to make sure workers are taken care of if they’re hurt on the job, while also protecting general contractor business owners from significant financial losses after an accident. It’s legally required in most states for businesses with employees.

workers compensation can help you pay for:

Medical expenses
Lost wages
Employer liability
Tools & Equipment

Tools & Equipment

Protection for your gear and equipment
Tools and equipment coverage makes sure your gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If your tools are lost, damaged or stolen, this coverage will help pay for replacements or repairs.nTools and equipment insurance is available as an add-on to our general liability insurance.

inland marine can help you pay for:

Protection for your gear and equipment
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance helps to protect the items you need to run your general contractor business, including your inventory, equipment, furniture, fixtures and even the space that you lease or property that you own. If a fire damages a wall at your store and you have to close for six weeks during repairs, you’ll be glad you have commercial property.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses
What's the price of General contractor insurance in Alabama?

How much should a General contractor like me expect to pay for insurance in Alabama?

Since every general contractor business in Alabama has unique circumstances, the price of business insurance varies. There are a number of factors that we take into consideration when provide an instant quote online, including:

  • If you work by yourself or have employees
  • Where your work sites are located
  • The kind of jobs you usually perform
  • How many vehicles you use for your business

Business insurance for general contractor business in Alabama can cost as little as $13 per month.

We’ll make this quick. With NEXT, you can get a quote and buy business insurance in less than 10 minutes.

Why does a General contractor in Alabama need business insurance?

It's easy to get business insurance for your General contractor in Alabama

A general contractor business in Alabama is a busy small business with little time to sweat the details of insurance. NEXT takes the hassle out of insurance by getting rid of jargon and endless phone calls. With NEXT, you can:

  • Get a quote and buy coverage in less than 10 minutes.
  • Get proof of insurance when you need it with no waiting around.
  • Manage your coverage 24/7
  • Pay as you go and cancel anytime NEXT makes business insurance easy.

You can buy and manage your insurance anytime you want and get back to business fast.

Frequently asked questions about general contractor business insurance

Here are some of the most common questions we get about general contractor business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

Does NEXT Insurance offer general contractor business insurance in Alabama?

Yes, NEXT Insurance offers tailored general contractor business insurance in Alabama.

Does NEXT Insurance offer Commercial Property coverage for general contractor business in Alabama?

Yes, NEXT Insurance offers General Liability, Professional Liability, Workers' Compensation, Tools & Equipment, Commercial Property coverage for general contractor business in Alabama.

How does business insurance protect carpenters?

Our carpenter business insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

You accidentally damage electrical wiring while repairing a wall. The general liability coverage in your insurance package would help pay to repair the damage.

Accidents that hurt someone

Your client trips over unfinished flooring and gets injured while you show them your progress. Your general liability insurance would also come into play here by helping to pay for medical costs and legal fees if you go to court.

Professional mistakes 

There’s a miscommunication about which type of wood to use and paneling has to be redone. E&O insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. 

Workplace injuries 

You hurt your knees installing lower cabinets in all the units of a large apartment building. Workers’ compensation coverage can help cover medical bills and lost wages — not to mention it’s usually required by law if you have employees. 

Injuries and damage involving your business vehicles

The suspension on your truck fails after a heavy load and it needs to be replaced. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles. 

Theft or damage to your tools

Your table saw rusted after an automatic sprinkler system soaked it at a job site. You can choose to add tools and equipment insurance to your general liability coverage to help pay for replacement costs. 

Damage to your own property

Your office sustains damage after a small fire breaks out next door. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How does the claims process work with NEXT Insurance?

  • If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
  • If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
  • If you cannot access your online account and require help from our support team, please visit our online help center.

Get customized insurance wherever you do business

Learn more about insurance options in the states where you work.

Certificate of Insurance

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More professions that are covered by NEXT

Home Renovation Contractor, Siding Installation Contractor, Paving and Asphalt Contractor, Paperhanger, Insulation Contractor, Solar Contractor, Fence Installation Contractor, Lawn Care, Snow Plowing, Painters, Landscaping, Drywall Contractor, Concrete Contractor, Tile, Stone and Flooring Installer, Excavation Contractor, HVAC Contractor, Debris Removal, Mason, Electrician, Carpenter, Roofing, Welding, Plumber, Appliance Technician, Handyman, General Contractor
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* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.