Trade × state guide
Insurance for daycares in Alabama.
In Alabama, daycares usually need general liability. On workers' compensation, Alabama's rule is: Required for employers with five or more employees (exception: residential construction employers require coverage regardless of employee count).[S]Alabama workers' compensation threshold
Updated 2026-05-16 · Beaconcover editorial§ 01
State desk
Licensing notes for Alabama.
- Five-employee threshold is a key small-business planning point
- Residential construction employers must carry coverage regardless of headcount
§ 02
Required cover
Coverage daycares typically need.
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