What Commercial Auto Insurance Requirements Apply in Alabama?

If you carry passengers, property, or household goods for compensation between Alabama points, the APSC generally requires intrastate authority unless an exemption applies. For an APSC property-carrier certificate or permit, the commission lists $100,000/$300,000 bodily-injury limits and $50,000 property damage, plus a separate $5,000 cargo filing.

What Is Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Alabama Commercial Auto Insurance Requirements

Requirement	Details
APSC property-carrier liability filing	$100,000 per person / $300,000 per accident / $50,000 property damage ²
APSC cargo filing for property carriers	$5,000 ²

What Should You Watch for With Commercial Auto Insurance in Alabama?

Intrastate Work May Need APSC Authority
The APSC says a certificate or permit is required to carry passengers, property, or household goods for compensation between Alabama points unless an exemption applies. Check the service and route against its exemption rules before treating an interstate registration as permission for in-state work. ¹
APSC Property-Carrier Liability Filings
For an APSC property-carrier certificate or permit, the commission lists $100,000/$300,000 bodily-injury limits and $50,000 property damage. Ask the insurer to file the limits tied to your authority and equipment class. ²
Cargo Proof Is A Separate Filing
The APSC lists $5,000 for cargo in addition to its liability limits. Confirm the cargo evidence is on file for your regulated property-carrier operation as well as the liability filing. ²
Match The Filing To Your APSC Record
The APSC says its insurance filing must use the full name on the certificate or permit and a physical address; it does not accept a P.O. box. Compare the policy named insured and filing address with your authority record before submission. ²

Which Commercial Auto Providers Have Alabama License Records?

These providers publish a national listing for Commercial auto; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Alabama. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹⁵
Corgi links to trucking auto-liability coverage from its transportation menu.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map. ¹⁸
TechInsurance arranges commercial auto insurance for small businesses.

Who Regulates Insurance in Alabama?

Alabama Department of Insurance

The Alabama Department of Insurance oversees insurers and licensed producers, reviews insurance filings, and takes consumer complaints. Its online services page links directly to Alabama company and agent searches, licensing resources, and complaint filing. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: (334) 241-4141

Surplus-Lines Tax and Stamping Office in Alabama

Reported tax rate. 6% of taxable surplus-lines premium ^6,^7,^9,^8,¹²

Alabama’s 6% tax applies to surplus-lines premium when Alabama is the insured’s home state; until the state’s multistate compact clearinghouse is operational, Alabama guidance says 100% of the premium on a multistate policy is taxed here. Separately charged policy fees are taxable. Surplus-lines policies do not receive Alabama guaranty-fund protection if the insurer becomes insolvent.

Alabama's diligent-search rule has two exceptions: A broker generally must make diligent effort before a surplus-lines placement; Alabama guidance says three declinations satisfy it. For an exempt commercial purchaser, 15 U.S.C. § 8205 removes that search only after the broker discloses the admitted-market protection difference and the purchaser then requests placement in writing. ^8,^10,¹¹

Questions to Ask Before You Buy Commercial Auto in Alabama

Does our route or service require an APSC certificate or permit, or does a specific exemption apply?
Will the insurer file the limits that match our APSC authority and vehicle class?
Is the $5,000 cargo evidence on file separately from our liability proof?
Does the insurance filing use the full authority name and a physical street address?

Commercial Auto Insurance in Alabama: Frequently Asked Questions

Do Alabama businesses carrying goods for pay need APSC authority?

Generally, yes, when the transportation runs between Alabama points; the APSC identifies exemptions in its motor-carrier rules. Property carriers with APSC authority also file liability and cargo evidence. ^1,²

What insurance limits does an Alabama intrastate property carrier file?

For an APSC property-carrier certificate or permit, the commission lists $100,000/$300,000 bodily-injury limits, $50,000 property damage, and $5,000 cargo. ²

Sources for Commercial Auto Insurance in Alabama

1
Motor Carrier Applications & Forms. Alabama Public Service Commission; Intrastate Authority; motor-carrier exemptions in referenced rules. Accessed 2026-09-28.
2
Insurance Requirements for Intrastate Authority. Alabama Public Service Commission; Opening scope statement; equipment/authority minimum-limits table; cargo amount; full-name and physical-address instructions. Accessed 2026-09-28.
3
Alabama Department of Insurance. Alabama Department of Insurance; Official agency homepage. Accessed 2026-09-28.
4
Online Services. Alabama Department of Insurance; Links to Alabama company search, agent search, producer licensing, and consumer complaint services. Accessed 2026-09-28.
5
File a Consumer Complaint. Alabama Department of Insurance; Official online complaint process. Accessed 2026-09-28.
6
Code of Alabama § 27-10-31: Annual Tax of Surplus Line Brokers. Alabama Legislature; Six percent tax on direct surplus-lines premiums, less return premiums and excluding state or federal taxes. Accessed 2026-09-28.
7
Surplus Line Broker FAQs. Alabama Department of Insurance; Page 2: per-policy fees are subject to the surplus-lines broker tax under § 27-10-31. Accessed 2026-09-28.
8
Surplus Line Broker Requirements. Alabama Department of Insurance; Current broker licensing and diligent-effort placement requirements. Accessed 2026-09-28.
9
Surplus Lines. National Association of Insurance Commissioners; Explains that state guaranty-fund protection available in the admitted market is not available for surplus-lines policies. Accessed 2026-09-28.
10
Surplus Line Broker FAQs. Alabama Department of Insurance; FAQ: three declinations satisfy Alabama diligent effort; FAQ references 15 U.S.C. § 8205 as a separate exception. Accessed 2026-09-28.
11
15 U.S.C. § 8205: Streamlined application for commercial purchasers. U.S. House of Representatives, Office of the Law Revision Counsel; Broker's due-diligence search exception for an exempt commercial purchaser requires prior disclosure that admitted-market insurance may offer greater protection/regulatory oversight and the purchaser's subsequent written request for nonadmitted placement. Accessed 2026-09-28.
12
Instructions for Multi-State Policies. Alabama Department of Insurance; Current instruction: until SLIMPACT clearinghouse is operational, if Alabama is home state of a multistate policy, 100% of premium is taxed at 6% and remitted to Alabama. Accessed 2026-09-28.
13
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
14
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
15
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
16
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
17
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
18
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
19
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Commercial Auto Insurance Requirements Apply in Alabama?

What Is Commercial Auto Insurance?

Alabama Commercial Auto Insurance Requirements

What Should You Watch for With Commercial Auto Insurance in Alabama?

Intrastate Work May Need APSC Authority

APSC Property-Carrier Liability Filings

Cargo Proof Is A Separate Filing

Match The Filing To Your APSC Record

Which Commercial Auto Providers Have Alabama License Records?

Corgi

TechInsurance