Alabama Insurance

Licensed independent agent comparing home, auto, and business insurance across Alabama.

Olive Cover is the consumer brand of Olive Insurance Services, LLC, an independent property and casualty insurance agency licensed in Alabama. We compare home, auto, and business coverage across multiple top carriers so Alabama drivers, homeowners, and business owners can see their real options in plain English, then work with a licensed advisor to choose what actually fits.

Alabama sets its own rules for what coverage is required and when. Two figures matter most: the minimum auto liability limits you need to drive legally, and the employee count at which workers’ compensation coverage becomes mandatory for a business. Both numbers are specific to Alabama, so a policy or business plan built around another state’s rules can leave a real gap once you are operating here.

State Minimum Requirements

Auto: Alabama requires minimum liability limits of 25/50/25 -- $25,000 bodily injury liability per person, $50,000 for all bodily injuries per accident, and $25,000 property damage per accident (Alabama Department of Insurance).

Business: Alabama requires workers' compensation coverage once a business reaches five or more employees, including corporate officers and LLC members; independent contractors are counted separately (Code of Alabama Sec. 25-5-50).

Regulatory Notes

Alabama's workers' compensation threshold is five or more employees. That is higher than some neighboring states use, so a small Alabama business can cross into mandatory-coverage territory sooner or later than the owner expects if they are used to a different state's rule. Officers of a corporation and members of an LLC count toward that total; independent contractors are counted separately under Alabama law (Code of Alabama Sec. 25-5-50).

Coverage Types We Write

  • Homeowners
  • Auto
  • Umbrella
  • Renters
  • Landlord
  • Motorcycle
  • Boat
  • Small Business Owners Policy
  • General Liability
  • Workers Compensation
  • Commercial Auto

Major Cities Served

  • Birmingham
  • Huntsville
  • Mobile
  • Montgomery
  • Tuscaloosa

Alabama Department of Insurance

Claims and Commercial Guidance for Alabama

Common Questions

Frequently asked questions

Is home insurance more expensive on the Alabama coast?

Coastal Alabama (Mobile and Baldwin counties) carries higher hurricane and wind risk, which affects how homes there are insured and often means a separate wind or hurricane deductible. What any specific home costs depends on its location, construction, and coverage, which a coverage review can work out.

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What insurance is required in Alabama?

Alabama requires auto liability insurance of at least 25/50/25 (25,000 dollars per person and 50,000 dollars per accident for injuries, 25,000 dollars for property damage), and workers' compensation once a business regularly employs five or more people. Home insurance is not required by state law but is almost always required by a mortgage lender.

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How do I file an insurance complaint in Alabama?

Contact the Alabama Department of Insurance, Consumer Services, at 1-800-433-3966 or through the File a Complaint tool at aldoi.gov. Include your policy and claim numbers so the Department can act on it.

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What is the minimum car insurance in Alabama?

25/50/25: 25,000 dollars in bodily injury liability per person, 50,000 dollars per accident, and 25,000 dollars in property damage liability. Uninsured motorist coverage must be offered to you and is included unless you reject it (Code of Alabama Section 32-7-23).

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