Nowell Agency, Inc. > Insurance News > Contractor Insurance in Alabama for the Construction Business

Contractor Insurance in Alabama for the Construction Business

As a contractor, you become the overseeing manager and coordinator for a project that you are hired for. You may hire sub-contractors and specialists to complete certain aspects of the project, but the overall responsibility to carry out the project as requested rests with you. This line of work takes extensive skill and experience, plus it also carries liability. Having contractor insurance in Alabama is essential to your reputation, success and ability to operate with your clients’ and your own interests protected.

If you are starting out as a contractor in the construction industry, you need to make sure you complete these critical steps before you take on your first contract.

  • Obtain Certifications – There are three important certifications that contractors in the construction line can choose from, including: Certified Construction Manager, Associate Constructor or Certified Professional Constructor. Each has their own requirements and may take several weeks, months or years to complete.
  • Get a License – To operate legally, you need a business license and a professional license. Your general business license gives you the right to operate in the state, but your contractor’s license gives you the authority to offer your trade services.
  • Bonds – A construction business needs a bond to operate. A surety bond means that your client will be paid if you do not fulfill the obligations of the work. You should speak with a bond agent to find out what level of bond protection you need to carry based on your contract work and city.
  • Permits – If you plan to operate as a contractor from your home instead of a physical office, you will need a home business permit for the city or county you are in.

Do Not Forget Contractor Insurance!

The most important step in starting your business is obtaining contractor insurance in Alabama. Whether you employ workers or hire subcontractors, you need multiple types of business insurance to cover the liabilities associated with construction work. From general liability to vehicle or property insurance to workers’ compensation, you have a lot of ground to cover.

To find out what levels of contractor insurance in Alabama you need, contact an experienced insurance agent. The team at The Nowell Agency, Inc. can help you assess your liabilities and find the right level of contractor insurance coverage to ensure your business is secure.

Call us at 601.992.4444 to learn more about contractor insurance in Alabama or request a quote for coverage online.

GET A QUOTE

The Nowell Agency is committed to providing you with fast and efficient service. If you would like a quote on any of our products please complete the short form below and click submit.

Get A Quote Form

    Testimonials

    FROM OUR CLIENTS

    The Nowell Agency has been my primary agent for many years and they are attentive, well-staffed, and easy to talk to. Their agency has helped me through state to state moves and career change and kept my assets covered.

    James G.

    My very first insurance experience was when I bought my first house and I called the Nowell agency for a quote. I had no idea what I needed or how much and they were so very kind and knowledgeable and explained everything to me in detail which I so much appreciated. That has been 4 years ago and im still a customer never plan to leave.

    Ashleigh D.

    I have been very pleased with the quick and professional service by the Nowell agency. My agent was very efficient at locating a policy that met my needs and budget. Thank you to Kristy and the Nowell agency for providing me with fantastic customer service. I highly recommend this agency. You will not be disappointed.

    Tripp W.

    NOWELL INSURANCE KNOWLEDGEBASE

    5 Reasons You Need Convenience Store Insurance for Your Florida Location

    By

    December 16, 2020

    Obtain the Policies You Require from The Nowell Agency People like to stop by a corner store for their favorite midnight snack, including your customers. As a store owner, you continually strive to provide your patrons with the things they like. Maybe you increased your offerings to include deli sandwiches and take-and-bake pizza. You might […]

    4 Signs that it’s Time to Purchase Landscape Contractor Insurance

    By

    December 16, 2020

    Guidance for Your Texas Business from The Nowell A...

    5 Suggestions for Contractor Success in a post-COVID World

    By

    November 30, 2020

    Florida’s Dependable Contractor Insurance Agency...