As stated by the Alabama Department of Labor, it is required by law that all businesses involved in the construction of new single-family, detached residential dwellings must have Alabama workers’ compensation insurance.
In addition, any business with five or more employees must also carry workers’ compensation insurance. Full-time and part-time employees, officers of a corporation and members of an LLC are all counted when determining whether this insurance is required.
Other requirements exist for Alabama employers. In the event of a work-related employee injury or illness, the state requires them to submit a First Report of Injury form within 15 days after the date that the injury occurred. A Supplementary Report is also required within 10 days of the first payment of compensation.
Workers’ compensation insurance provides coverage when an employee is injured on the job. It helps to cover a number of related expenses, including:
The state of Alabama offers four options for covering workers’ compensation liability:
Without workers’ compensation, Alabama business owners must cover their own expenses if their employees get hurt on the job. If you’re a business owner, you could face civil lawsuits from affected employees when workplace injuries occur.
The state may impose penalties or fines for businesses that do not comply with the workers comp requirement. Since some clients require proof of coverage before signing a contract, failure to obtain workers’ comp insurance could also limit your business opportunities with some clients.
If an employee experiences a temporary or permanent disability or dies as the result of a work-related accident, they could be eligible for income benefits through workers’ compensation in Alabama, such as:
Workers’ compensation costs vary across industries. Factors that influence price include:
Get a free instant quote in about 10 minutes from NEXT to see your workers’ comp insurance costs.
Most Alabama businesses with fewer than five employees (including corporate officers or LLC members) are not required to carry workers’ compensation insurance.
In addition, Alabama workers’ compensation laws do not apply to the employment of:
Although workers’ comp insurance isn’t required in these cases, employers might benefit from coverage that could help protect the financial health of their business.
NEXT strives to resolve every claim quickly. Learn more about our claims process and how our claims advocates will work with you after an employee injury.
General liability insurance protects your business from common mistakes or accidents, such as customer injury or damages to someone’s property.
If you or your employees drive vehicles for work, you probably need commercial auto insurance. This provides coverage for accident-related expenses in a business-owned vehicle or a personal vehicle being used for work purposes.
Commercial property insurance can provide financial help if your business structures, goods, gear or inventory are damaged or destroyed by a covered event.
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