--- title: "Representations and Warranties Insurance in Alabama" description: "Check Alabama contract claim deadlines against negotiated representation survival, policy notice dates, and any home-state surplus-lines tax." canonical: "https://spot.insure/coverage/representations-warranties/alabama" page-type: "coverage-state-guide" updated-at: "2026-09-29" --- 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/representations-warranties/alabama) # Representations and Warranties Insurance in Alabama Alabama generally allows 6 years under Ala. Code § 6-2-34 for actions founded on a contract not under seal, subject to claim-specific exceptions and accrual rules. That statutory filing period does not set the survival date negotiated for each representation or the insurer’s reporting window; if Alabama is the insured’s home state, the surplus-lines tax rate is 6%.[^1][^2][^3] **Coverage:** [Representations and warranties](/coverage/representations-warranties) · [Alabama](/coverage/states/alabama) ## What Is Representations And Warranties? Representations and warranties insurance can cover a buyer’s or seller’s loss from inaccurate statements in a stock or asset purchase agreement. For a business sale, check who is insured, who can recover and how known issues are treated. [Read the national Representations and warranties guide](/coverage/representations-warranties). ## What to Watch for in Alabama ### Separate The Statute From The Survival Schedule Ala. Code § 6-2-34 provides 6 years for actions founded on a contract not under seal. Ask deal counsel to list a separate survival end date for each representation, then compare those dates with the insurer’s claim-reporting deadline.[^1] ### Confirm When A Contract Claim Accrues Alabama measures the cited contract period from accrual; Ala. Code § 6-2-34 covers actions founded on a contract not under seal. For an R&W placement, ask counsel to identify the alleged breach date and put it beside the purchase-agreement survival date and policy notice deadline.[^1] ### Show Home-State Tax In The Closing Costs Federal law assigns nonadmitted premium-tax authority to the insured’s home state. If Alabama is the home state for your R&W policy, 6% of taxable surplus-lines premium applies under Code of Alabama § 27-10-31: Annual Tax of Surplus Line Brokers. Ask the broker to state the tax base and any separate stamping or filing charge in the closing funds flow.[^3][^2] ## 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 Representations and warranties; 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. - [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] ## Questions to Ask Before You Buy in Alabama 1. Which Alabama limitation period and accrual rule apply to each seller representation, and does the governing-law clause point to a different state? 2. Can you put each negotiated representation survival date, the escrow release date, and the policy reporting deadline on one closing calendar? 3. If the policy is placed on a surplus-lines basis, is Alabama the insured’s home state, what tax base applies, and who remits the tax? 4. Which state bulk-sale notice, tax-clearance, or successor-liability issues should the deal team evaluate for this asset or stock purchase? ## Representations And Warranties in Alabama: FAQ ### How long is the written-contract limitation period in Alabama? 6 years under Ala. Code § 6-2-34 for actions founded on a contract not under seal. Accrual, claim classification, and statutory exceptions can change which period applies.[^1] ### Does Alabama’s contract limitation period set the R&W survival period? No. Ala. Code § 6-2-34 sets a court-filing limit for actions founded on a contract not under seal; it does not set the negotiated survival end date for a representation or the separate deadline to notify the insurer.[^1] ### What surplus-lines tax applies to an R&W policy in Alabama? 6% of taxable surplus-lines premium when Alabama is the insured’s home state, under Code of Alabama § 27-10-31: Annual Tax of Surplus Line Brokers. Federal law assigns the premium-tax obligation to the home state; ask the broker to show the home-state and tax calculation on the closing statement.[^2][^3] ## Representations And Warranties in Other States - [Alaska](/coverage/representations-warranties/alaska) - [Arizona](/coverage/representations-warranties/arizona) - [Arkansas](/coverage/representations-warranties/arkansas) - [California](/coverage/representations-warranties/california) - [Colorado](/coverage/representations-warranties/colorado) - [Connecticut](/coverage/representations-warranties/connecticut) - [Delaware](/coverage/representations-warranties/delaware) - [District of Columbia](/coverage/representations-warranties/district-of-columbia) - [Florida](/coverage/representations-warranties/florida) - [Georgia](/coverage/representations-warranties/georgia) - [Hawaii](/coverage/representations-warranties/hawaii) - [Idaho](/coverage/representations-warranties/idaho) - [Illinois](/coverage/representations-warranties/illinois) - [Indiana](/coverage/representations-warranties/indiana) - [Iowa](/coverage/representations-warranties/iowa) - [Kansas](/coverage/representations-warranties/kansas) - [Kentucky](/coverage/representations-warranties/kentucky) - [Louisiana](/coverage/representations-warranties/louisiana) - [Maine](/coverage/representations-warranties/maine) - [Maryland](/coverage/representations-warranties/maryland) - [Massachusetts](/coverage/representations-warranties/massachusetts) - [Michigan](/coverage/representations-warranties/michigan) - [Minnesota](/coverage/representations-warranties/minnesota) - [Mississippi](/coverage/representations-warranties/mississippi) - [Missouri](/coverage/representations-warranties/missouri) - [Montana](/coverage/representations-warranties/montana) - [Nebraska](/coverage/representations-warranties/nebraska) - [Nevada](/coverage/representations-warranties/nevada) - [New Hampshire](/coverage/representations-warranties/new-hampshire) - [New Jersey](/coverage/representations-warranties/new-jersey) - [New Mexico](/coverage/representations-warranties/new-mexico) - [New York](/coverage/representations-warranties/new-york) - [North Carolina](/coverage/representations-warranties/north-carolina) - [North Dakota](/coverage/representations-warranties/north-dakota) - [Ohio](/coverage/representations-warranties/ohio) - [Oklahoma](/coverage/representations-warranties/oklahoma) - [Oregon](/coverage/representations-warranties/oregon) - [Pennsylvania](/coverage/representations-warranties/pennsylvania) - [Rhode Island](/coverage/representations-warranties/rhode-island) - [South Carolina](/coverage/representations-warranties/south-carolina) - [South Dakota](/coverage/representations-warranties/south-dakota) - [Tennessee](/coverage/representations-warranties/tennessee) - [Texas](/coverage/representations-warranties/texas) - [Utah](/coverage/representations-warranties/utah) - [Vermont](/coverage/representations-warranties/vermont) - [Virginia](/coverage/representations-warranties/virginia) - [Washington](/coverage/representations-warranties/washington) - [West Virginia](/coverage/representations-warranties/west-virginia) - [Wisconsin](/coverage/representations-warranties/wisconsin) - [Wyoming](/coverage/representations-warranties/wyoming) [Other Coverage in Alabama](/coverage/states/alabama) ## Sources [^1]: [Ala. Code § 6-2-34](https://alison.legislature.state.al.us/code-of-alabama?section=6-2-34) — State Legislature / official state code; Ala. Code § 6-2-34; 6 years period applies to actions founded on a contract not under seal. Accessed 2026-09-29. [^2]: [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. [^3]: [15 U.S.C. § 8201: Nonadmitted insurance premium tax](https://uscode.house.gov/view.xhtml?req=%28title%3A15+section%3A8201+edition%3Aprelim%29) — U.S. House of Representatives, Office of the Law Revision Counsel; §8201(a): only the insured’s home state may require payment of premium tax for nonadmitted insurance. Accessed 2026-09-29. [^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 2026-09-29. 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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