What Directors and Officers (D&O) Insurance Requirements Apply in Alabama?

Alabama’s 2026 amendments to the Business Corporation Law took effect August 1, 2026, including revisions to the certificate provisions governing director and officer liability limits. Those rules concern Alabama business corporations; identify each insured entity’s legal form and incorporation jurisdiction before relying on an Alabama certificate provision.

What Is D&O Insurance?

D&O insurance can help pay covered defense costs and losses from claims against company leaders over management decisions. If your organization has a board or executives, check whether the company itself is insured and whether legal bills reduce the limit. Read the national Directors and officers guide.

What Should You Watch for With D&O Insurance in Alabama?

Use the Post-August 2026 Certificate
Alabama Act 2026-495 revised § 10A-2A-2.02, including the certificate options and carve-outs. If a claim involves earlier conduct or pending/completed proceedings, verify the effective-date and transition rules before treating the revised text as controlling. ¹
The Protection Is Optional
Section 10A-2A-2.02 allows certificate provisions; it does not automatically put them in every corporation’s charter. Obtain the filed certificate and amendments for each Alabama-incorporated business. ²
Officer Claims Have a Specific Carve-Out
The Alabama certificate option excludes officer liability for claims by or in the right of the corporation. Ask how the policy treats officer insured-person claims brought derivatively. ²

Which D&O Insurance Providers Have Alabama License Records?

These providers publish a national listing for Directors and officers; 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.

Coalition
Insurance producer, Surplus-lines broker · checked 2026-09-28
Coalition Insurance Solutions, Inc.
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. ¹⁴
Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations.
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 lists directors and officers insurance among its business insurance offerings.
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 directors and officers liability insurance for small businesses.
Vouch
Insurance producer, Surplus-lines broker · checked 2026-09-28
Vouch Specialty Insurance Services, LLC
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. ¹⁹
Vouch lists directors and officers insurance in its technology-company programs.

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

What Should You Ask Before Buying D&O Insurance in Alabama?

Does each Alabama corporation’s current certificate include a director or officer liability limitation, and when did it become effective?
Does the quote cover defense costs when a company cannot indemnify a director or officer under its governing documents or § 10A-2A-8.51?
How does the policy treat derivative claims against officers?

D&O Insurance in Alabama: Frequently Asked Questions

Can an Alabama corporation limit director or officer liability?

Sometimes. Its certificate may include a liability-limiting provision, but § 10A-2A-2.02 preserves specified claims, including improper financial benefit, intentional harm, statutory unlawful-distribution liability, and intentional criminal violations. The 2026 amendments took effect August 1, 2026. ^1,²

Did Alabama change its business-corporation rules in 2026?

Yes. Act 2026-495 amended parts of the Alabama Business Corporation Law effective August 1, 2026; check the current filed certificate and transition provisions for the relevant conduct date. ²

Sources for D&O Insurance in Alabama

1
Alabama HB 248, Enrolled. Alabama Legislature; Act 2026-495, § 10A-2A-2.02(b)(4)–(5), certificate liability limits and indemnification carve-outs. Accessed 2026-09-28.
2
Legislative Acts Search. Alabama Secretary of State; Act 2026-495, enacted August 1, 2026; official legislative act records. 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 Directors and Officers (D&O) Insurance Requirements Apply in Alabama?

What Is D&O Insurance?

What Should You Watch for With D&O Insurance in Alabama?

Use the Post-August 2026 Certificate

The Protection Is Optional

Officer Claims Have a Specific Carve-Out

Which D&O Insurance Providers Have Alabama License Records?

Coalition

Corgi

TechInsurance

Vouch