--- title: "Alabama Crime Insurance Guide" description: "Alabama rules create targeted fidelity requirements for managing general agents and self-insurance funds; a PEO arrangement also does not automatically include covered workers in the PEO’s fidelity bond." canonical: "https://spot.insure/coverage/crime/alabama" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/crime/alabama) # Alabama Crime Insurance Guide Alabama’s fidelity rules turn on your role: an insurer-appointed managing general agent may need a state-compliant fidelity bond or commercial crime policy, while covered employees are not automatically included in a PEO’s fidelity bond. Match the quoted policy to the entity handling the money and the people it covers.[^1][^2] **Coverage:** [Crime](/coverage/crime) · [Alabama](/coverage/states/alabama) ## What Is Crime? Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [Read the national Crime guide](/coverage/crime). ## Alabama Requirements | Requirement | Details | | --- | --- | | Insurer-appointed managing general agents | For covered appointments, Rule 482-1-106-.04(1)(a) calls for an insurer-protection fidelity bond of at least $100,000 with no deductible, unless expressly waived by the Commissioner. Rule .04(2) sets the annual adjusted limit for a fidelity bond or commercial crime policy at the greater of $100,000 or 25% of the premium the MGA wrote for the appointing insurer in Alabama during the prior calendar year; adjust by April 1.[^1] | | Workers’ compensation self-insurance funds | A proposed Alabama group self-insurers fund must include a fidelity bond on its administrator, payable to the trustees and sufficient to protect fund assets against misappropriation or misuse.[^3] | ## What to Watch for in Alabama ### An MGA policy protects the appointing insurer The filing rule applies only to appointments meeting Rule 482-1-106-.03(1). For a foreign authorized insurer, the MGA must either (1) produce and underwrite gross premium at least 5% of the insurer’s policyholder surplus in a quarter or year and handle claims above $10,000 per claim or negotiate reinsurance, or (2) produce and underwrite Alabama risks and handle claims above $10,000 per claim, claims above 5% of the insurer’s surplus in aggregate per year, or negotiate reinsurance. For an Alabama-domiciled insurer, the MGA must produce and underwrite gross premium over 5% of policyholder surplus in a quarter or year and handle claims or negotiate reinsurance. The rule excludes insurer employees, a U.S. branch manager of an alien insurer, a qualifying common-control underwriting manager, and a reciprocal-exchange attorney-in-fact. For a covered appointment, verify any express waiver and the annual limit: greater of $100,000 or 25% of prior-calendar-year Alabama premium the MGA wrote for the appointing insurer. This instrument protects that insurer; it is not a limit recommendation for your own crime policy.[^1] ### PEO workers need express fidelity-bond inclusion If you use a professional employer organization (PEO), Alabama law says covered workers do not become the PEO’s employees for fidelity-bond purposes solely because of the PEO arrangement. Ask the PEO and broker to point to the specific references that include your covered workers in the agreement and applicable insurance contract or bond.[^2] ### A self-insurance fund has a separate administrator bond An Alabama workers’ compensation group self-insurers fund must provide a fidelity bond on its administrator to protect the fund’s assets against misappropriation or misuse. If you participate in or administer such a fund, compare the filed administrator bond with any separate crime policy and check whose assets and conduct each protects.[^3] ## 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.[^4][^5][^6] - [Regulator website](https://aldoi.gov/) - [License lookup](https://aldoi.gov/OnlineServices.aspx) - [File a complaint](https://insurance.alabama.gov/Consumers/FileComplaint.aspx) - Phone: (334) 241-4141 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 6% of taxable surplus-lines premium 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.[^7][^8][^10][^9][^13] **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.[^9][^11][^12] ## Providers With Documented State Licenses These providers publish a national listing for Crime; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Alabama; [check the regulator’s license lookup](https://aldoi.gov/OnlineServices.aspx) and confirm state availability for your business when requesting a quote. - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only.[^15] - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^16] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^20] ## Questions to Ask Before You Buy in Alabama 1. Does this insurer/MGA appointment meet Rule 482-1-106-.03’s covered-appointment tests, and has the insurer documented any express waiver? For a covered appointment, does the fidelity bond or crime policy use the greater-of annual limit based on prior-calendar-year Alabama premium written for that appointing insurer? 2. If a PEO handles payroll or other funds, which agreement and policy language expressly includes your covered workers for fidelity losses? 3. If you are part of a workers’ compensation self-insurance fund, who is named on the administrator bond and which fund assets does it protect? ## Crime in Alabama: FAQ ### Does the Alabama MGA fidelity amount set my own crime-policy limit? No. The filing requirement protects the appointing insurer, and its annual formula uses premium the MGA wrote for that insurer in Alabama. It does not set the MGA’s own crime-policy limit; compare that policy with your own employees, funds, controls, and likely loss scenarios.[^1] ### Does a PEO arrangement automatically include covered workers in the PEO’s fidelity bond? No. Alabama law says PEO status alone does not make covered employees employees of the PEO for fidelity-bond purposes; the applicable agreement, insurance contract, or bond must include them by specific reference.[^2] ## Crime in Other States - [Alaska](/coverage/crime/alaska) - [Arizona](/coverage/crime/arizona) - [Arkansas](/coverage/crime/arkansas) - [California](/coverage/crime/california) - [Colorado](/coverage/crime/colorado) - [Connecticut](/coverage/crime/connecticut) - [Delaware](/coverage/crime/delaware) - [District of Columbia](/coverage/crime/district-of-columbia) - [Florida](/coverage/crime/florida) - [Georgia](/coverage/crime/georgia) - [Hawaii](/coverage/crime/hawaii) - [Idaho](/coverage/crime/idaho) - [Illinois](/coverage/crime/illinois) - [Indiana](/coverage/crime/indiana) - [Iowa](/coverage/crime/iowa) - [Kansas](/coverage/crime/kansas) - [Kentucky](/coverage/crime/kentucky) - [Louisiana](/coverage/crime/louisiana) - [Maine](/coverage/crime/maine) - [Maryland](/coverage/crime/maryland) - [Massachusetts](/coverage/crime/massachusetts) - [Michigan](/coverage/crime/michigan) - [Minnesota](/coverage/crime/minnesota) - [Mississippi](/coverage/crime/mississippi) - [Missouri](/coverage/crime/missouri) - [Montana](/coverage/crime/montana) - [Nebraska](/coverage/crime/nebraska) - [Nevada](/coverage/crime/nevada) - [New Hampshire](/coverage/crime/new-hampshire) - [New Jersey](/coverage/crime/new-jersey) - [New Mexico](/coverage/crime/new-mexico) - [New York](/coverage/crime/new-york) - [North Carolina](/coverage/crime/north-carolina) - [North Dakota](/coverage/crime/north-dakota) - [Ohio](/coverage/crime/ohio) - [Oklahoma](/coverage/crime/oklahoma) - [Oregon](/coverage/crime/oregon) - [Pennsylvania](/coverage/crime/pennsylvania) - [Rhode Island](/coverage/crime/rhode-island) - [South Carolina](/coverage/crime/south-carolina) - [South Dakota](/coverage/crime/south-dakota) - [Tennessee](/coverage/crime/tennessee) - [Texas](/coverage/crime/texas) - [Utah](/coverage/crime/utah) - [Vermont](/coverage/crime/vermont) - [Virginia](/coverage/crime/virginia) - [Washington](/coverage/crime/washington) - [West Virginia](/coverage/crime/west-virginia) - [Wisconsin](/coverage/crime/wisconsin) - [Wyoming](/coverage/crime/wyoming) [Other Coverage in Alabama](/coverage/states/alabama) ## Sources [^1]: [Chapter 482-1-106: Managing General Agents](https://admincode.legislature.state.al.us/api/chapter/482-1-106) — Alabama Department of Insurance / Alabama Legislative Services Agency; Rules 482-1-106-.03(1)(a)–(b), (2) and -.04(1)(a), (2): covered foreign and Alabama-domiciled insurer/MGA tests and exceptions; insurer-protection fidelity bond filing and waiver; annual greater-of limit based on prior-calendar-year Alabama premium written for appointing insurer. Current official chapter compilation; its history lists a 2013 amendment but the extracted effective-day text is malformed.. Accessed 2026-09-28. [^2]: [Code of Alabama § 25-14-9: Written Contract; Rights and Duties of Clients, Employees, and Professional Employer Organizations](https://alison.legislature.state.al.us/code-of-alabama?section=25-14-9) — Alabama Legislature; Subsection (e): covered-employee status for fidelity and surety bonds; specific-reference exception. Current Code of Alabama compilation accessed September 28, 2026.. Accessed 2026-09-28. [^3]: [Chapter 480-5-3: Group Self-Insurance](https://admincode.legislature.state.al.us/api/chapter/480-5-3) — Alabama Department of Labor / Alabama Legislative Services Agency; Rule 480-5-3-.07(1)(h): proposed workers’ compensation self-insurers fund application and administrator fidelity bond. Official compilation history states amendment effective September 3, 2012.. Accessed 2026-09-28. [^4]: [Alabama Department of Insurance](https://aldoi.gov/) — Alabama Department of Insurance; Official agency homepage. Accessed 2026-09-28. [^5]: [Online Services](https://aldoi.gov/OnlineServices.aspx) — Alabama Department of Insurance; Links to Alabama company search, agent search, producer licensing, and consumer complaint services. Accessed 2026-09-28. [^6]: [File a Consumer Complaint](https://insurance.alabama.gov/Consumers/FileComplaint.aspx) — Alabama Department of Insurance; Official online complaint process. Accessed 2026-09-28. [^7]: [Code of Alabama § 27-10-31: Annual Tax of Surplus Line Brokers](https://alison.legislature.state.al.us/code-of-alabama?section=27-10-31) — Alabama Legislature; Six percent tax on direct surplus-lines premiums, less return premiums and excluding state or federal taxes. Accessed 2026-09-28. [^8]: [Surplus Line Broker FAQs](https://aldoi.gov/SurplusLineWeb/PDF/SLBrokerFAQs.pdf) — 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. [^9]: [Surplus Line Broker Requirements](https://aldoi.gov/Licensing/SurplusReq.aspx) — Alabama Department of Insurance; Current broker licensing and diligent-effort placement requirements. Accessed 2026-09-28. [^10]: [Surplus Lines](https://content.naic.org/insurance-topics/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. [^11]: [Surplus Line Broker FAQs](https://aldoi.gov/SurplusLineWeb/PDF/SLBrokerFAQs.pdf) — 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. [^12]: [15 U.S.C. § 8205: Streamlined application for commercial purchasers](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8205+edition%3Aprelim%29) — 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. [^13]: [Instructions for Multi-State Policies](https://aldoi.gov/SurplusLineWeb/MultiStateInfo.aspx) — 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. [^14]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^15]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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. [^16]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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. [^17]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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. [^18]: [Licenses](https://www.nextinsurance.com/insurance-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. [^19]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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. [^20]: [Licenses](https://www.vouch.us/legal/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. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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