Why does my policy have more than one deductible?

A policy commonly carries a flat deductible for most claims and a separate percentage-based wind and hail deductible in storm-exposed states like Georgia.

Does my own insurance cover me when I stay in an Airbnb or VRBO?

The host's short-term rental policy protects the host, not you. As an Airbnb or VRBO guest, your own homeowners or renters insurance usually covers your belongings and personal liability away from home, within policy limits, while travel insurance covers trip-specific risks neither the host nor your home policy will.

Does homeowners insurance cover flood damage?

No. Standard homeowners policies exclude all flood damage regardless of cause.

What does uninsured motorist coverage do?

If you are hit by a driver with no insurance or not enough insurance, uninsured and underinsured motorist coverage pays your medical bills.

When do we use Selective for flood coverage versus NFIP?

Selective private flood wins for Zone X and moderate AE properties where it beats NFIP on price and offers higher limits with ALE coverage.

Does my business in Huntsville need workers' compensation?

All FAQs

Quick answer: Yes, once the business regularly employs five or more people, including corporate officers and LLC members (Code of Alabama Section 25-5-50). This is Alabama's threshold statewide.

Does my Huntsville business need workers' compensation?

Yes, once the business regularly employs five or more people, including corporate officers and LLC members, under Code of Alabama Section 25-5-50. This is Alabama's threshold statewide, so it applies the same way in Huntsville as anywhere else in the state.

Does anything about Huntsville change the rule?

No. Workers' compensation requirements come from state law, not city ordinance, so a Huntsville business follows the identical five-employee threshold as a business in Birmingham, Mobile, or anywhere else in Alabama.

What should a growing Huntsville business do?

A coverage review can confirm exactly where a specific business stands against the threshold. See Alabama workers' compensation insurance for the full picture and the Huntsville insurance guide for local coverage context.

What does this look like for a real Huntsville business?

A Huntsville engineering firm with three full-time engineers, an officer who also draws a salary, and a part-time administrative assistant has five people counting toward the threshold. That business must carry workers' compensation once that fifth person is regularly on staff, even though the roles look very different from a retail or restaurant business.