General Contractor Insurance in Alabama

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

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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

Protection for the injuries, accidents and damage you cause
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)

Coverage against business mistakes and claims of negligence
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 $22 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 (COI)?

Once you have a NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI instantly or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a consultant business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How do you file an insurance claim with NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.
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More professions that are covered by NEXT

Appliance Technician, Carpenter, Concrete Contractor, Debris Removal, Drywall Contractor, Electrician, Excavation Contractor, General Contractor, Handyman, HVAC Contractor, Home Renovation Contractor, Mason, Insulation Contractor, Painters, Paving and Asphalt Contractor, Plumber, Roofing, Siding Installation Contractor, Solar Contractor, Snow Plowing, Welding, Tile, Stone and Flooring Installer, Paperhanger, Fence Installation Contractor, Lawn Care, Landscaping
* 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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© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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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.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. 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.