The Allen Thomas Group Independent Insurance Agency

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Alabama Contractor Insurance

Alabama contractors insurance

Get the Construction Confidence You Deserve With Alabama Contractor Insurance 

Alabama contractors insurance

The Allen Thomas Group is proud to be your trusted partner for contractor insurance in Alabama with over 20+ years of experience in the industry. Potential risks and liabilities can seriously affect the integrity and reputation of your small business.  

According to NOAA data, Alabama ranks among the states for the maximum number of thunderstorm days (60-70) annually.

Accidents happen on any job site. In 2023, the average construction workers compensation claim cost $51,193, according to the Bureau of Labor Statistics. General liability insurance shields business owners from potentially ruinous financial burdens in the event of an accident.  

Your team is your treasure. Workers’ comp insurance can help cover 72% of lost wages, including medical care, for employees in Alabama suffering from bodily injuries at work, according to the Alabama Department of Labor.

This essential coverage provides benefits to employees and your business.

While you need to be prepared with risk management strategies, insurance is another way to shield yourself.

Getting the right type of insurance is key to safeguarding your business. Let us help you find the insurance you need to succeed.

Get a quote now that covers all of your coverage needs!

Table of Contents

Get Insurance Coverage for Alabama Construction and Contracting Trades

Getting The Right Coverage

Essential Business Insurance Options for Alabama Contractors

Contractor insurance refers to the various types of insurance coverage contractors need to safeguard their business. The main types of insurance Alabama contractors require include:

This is the cornerstone of any contractor’s insurance portfolio.

General liability insurance can help protect your business from financial losses due to third-party injuries, property damage, and personal and advertising injuries arising from your operations.

In Alabama, it’s often required for obtaining licenses and by many clients before awarding contracts.

Accidents happen on even the safest job sites, and general liability insurance can shield you from lawsuits and cover medical expenses, legal fees, and other costs.

An essential insurance requirement for contractor Alabama business, this protects your company’s owned property, such as buildings, equipment, and tools, from damage or loss from various causes.

Property insurance coverage can help cover your valuable assets, including tools and equipment, against fire, theft, weather events, and other covered perils. 

A general contractor in Alabama needs this temporary coverage to protect their property under construction against damage or loss from fire, theft, vandalism, and weather events.

It is designed to protect larger projects with longer construction timelines and guarantees financial protection for valuable materials and structures during the building process. 

Safeguarding specialized machinery represents a significant financial priority for construction contractors.

Backhoes, bulldozers, cranes and other heavy equipment often carry price tags in the hundreds of thousands. Theft or damage to these investments from perils like collisions or natural disasters can cripple operations.

Fortunately, equipment insurance provides customizable protection for contractors’ expensive gear. Policies cover common risks like fire, accidents, vandalism, flood, etc.

Additional options include protection for equipment modifications, reimbursement for rental gear during repairs, and coverage for tools and spare parts.

Your construction insurance package is incomplete without this liability coverage. The right Vehicle insurance shields your company in case of accidents.

The right coverage is essential to protect your business from financial losses if your vehicle is involved in an accident, regardless of fault.

Workers’ compensation insurance in Alabama is mandatory and provides medical care and lost wages to employees who are injured at work site.  

Although insurance requirements vary by state, it provides peace of mind and protects your Alabama workers well-being.

Worker’s compensation insurance helps protect every general contractor if a worker decides to sue you for workplace injuries and covers medical expenses, lost wages, and rehabilitation costs.

construction insurance in Alabama

Other Valuable Coverages

Excess Liability Insurance (Umbrella Policy): Provides an extra layer of protection to your business operations beyond the limits of your primary policies.

Commercial Flood Insurance: Important if your business is located in a flood-prone area.

Cyber Liability Insurance: Covers financial losses from data breaches and cyberattacks.

Stress-free Solutions

Alabama business insurance

Constructing Your Business Insurance Coverage with The Allen Thomas Group

Expert Architects: Our seasoned professionals thoroughly assess your unique risks and needs, then architect a customized insurance plan that fits your budget while comprehensively protecting your business assets and interests.

Consider us the blueprint architects for your ideal insurance portfolio.  

Competitive Quotes: We’ll gather bids from highly-rated national and regional insurance carriers, then leverage our decades of industry experience to identify the optimal blend of coverage, service quality, and affordability tailored precisely to your business needs. Think of us as your personal insurance shopping assistant.

Clear Communication: We speak plain English, not the impenetrable insurance jargon even experienced contractors find confusing.

We’ll ensure you thoroughly understand your coverages and feel 100% confident in every selection.

Commercial Insurance Solutions Customized For Alabama Contractors

Yes, Getting A Certificate Of Insurance Is Really That Easy

We know the process of finding the right insurance can be quite frustrating and overwhelming. Undoubtedly, it can affect your ability to take care of your customers, especially when you are waiting for bonds or a Certificate of Liability Insurance.

Let us help fix it for you.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

Our happy customers

We’ve helped thousands of Construction Contractors in Alabama Just Like You

Our Carrier Partners

WE HAVE PERSONAL CONTACTS WITH THESE TRUSTED A-RATED INSURANCE COMPANIES

That allows us to find the best rates for your construction business

Why Choose The Allen Thomas Group for Alabama General Contractor Insurance?

Local Expertise: The Allen Thomas Group is well-versed in the unique risks, regulations, and insurance needs specific to Alabama contractors.

Our goal is to help protect their business. No one understands those nuances better than our local experts.  

Contractor-Focused Approach: We’re not just salespeople. We’re true partners deeply invested in the success of your construction business. Let us help protect your business so you can focus on your core construction work. 

Unwavering Commitment: We’re always in your corner, from initial consultations to ongoing support to assistance when the unimaginable occurs. Consider us your insurance lifeline now and for years to come.  

Regular Inspections: We schedule periodic coverage reviews to confirm your policies meet your emerging needs as projects, employees, and exposures evolve. Think of us as the diligent inspectors ensuring your fortress remains impenetrable.  

Don’t let insurance-related worries cast long shadows on your Alabama construction dreams.

Contact the friendly, grounded experts at The Allen Thomas Group today for a free consultation tailored to your unique needs. Together, we’ll build an Alabama contractor insurance fortress as solid as the structures you erect in the construction industry every day!

Whether you are a contractor or a subcontractor, specific insurance coverage in place provides much-needed protection in case someone files a claim against you. 

Get a certificate of insurance without delay.

We offer free consultations to discuss your unique situation in depth. 

Questions About Contractors Insurance and Other Key Resources

Get More Insights On Making The Right Insurance Decision For Your Company

As an experienced insurance provider, we’ll guide you step-by-step through meeting Alabama’s often complex licensing mandates, ensuring your insurance coverage checks all the boxes for full compliance.

Rely on us as the definitive guide to licensing labyrinths.  

Typically, contractors with more years of experience and a clean claims history may be able to secure lower premiums for their insurance. This is because they are seen as less risky to insure compared to those with less experience or a high number of claims.

Alabama contractor insurance provides coverage for equipment and tool theft. But details are not the same for each policy.

As insurance experts, we share invaluable risk management insights and strategies tailored to the perils facing construction companies, helping you minimize a variety of risks.

We’re your partners in identifying and addressing vulnerabilities before they become headaches. Choose from a range of insurance policies available to protect businesses and their employees. 

We evaluate the unique risks inherent to each of your construction projects, from residential renovations to commercial high rises, and meticulously tailor your Alabama construction insurance to address those specific perils.

Think of us as project risk assessors par excellence. 

We share invaluable risk management insights and strategies tailored to the perils facing construction companies, helping you minimize a variety of risks.

We’re your partners in identifying and addressing vulnerabilities before they become headaches. 

Choose from a range of insurance policies available to protect businesses and their employees. 

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Areas We Serve In Alabama

Alabaster

Albertville

Alexander City

Andalusia

Anniston

Arab

Athens

Atmore

Attalla

Auburn

Bay Minette

Bessemer

Birmingham

Boaz

Brewton

Brook Highland

Calera

Center Point

Chelsea

Chickasaw

Clanton

Clay

Cullman

Daleville

Daphne

Decatur

Demopolis

Dothan

Enterprise

Eufaula

Fairfield

Fairhope

Florence

Foley

Forestdale

Fort Payne

Fort Rucker

Fultondale

Gadsden

Gardendale

Glencoe

Grayson Valley

Greenville

Gulf Shores

Guntersville

Hamilton

Hartselle

Harvest

Helena

Highland Lakes

Homewood

Hoover

Hueytown

Huntsville

Irondale

Jacksonville

Jasper

Lanett

Leeds

Lincoln

Madison

Margaret

Meadowbrook

Meridianville

Midfield

Millbrook

Mobile

Monroeville

Montevallo

Montgomery

Moody

Moores Mill

Mountain Brook

Muscle Shoals

Northport

Oneonta

Opelika

Opp

Orange Beach

Oxford

Ozark

Pelham

Pell City

Phenix City

Pike Road

Pinson

Pleasant Grove

Prattville

Prichard

Rainbow City

Rainsville

Roanoke

Robertsdale

Russellville

Saks

Saraland

Satsuma

Scottsboro

Selma

Semmes

Sheffield

Smiths Station

Southside

Spanish Fort

Sylacauga

Talladega

Tarrant

Theodore

Tillmans Corner

Troy

Trussville

Tuscaloosa

Tuscumbia

Tuskegee

Valley

Vestavia Hills

Wetumpka