For 99.9% of consumers, a personal policy will be the very first one they buy. That’s why it’s important to choose an independent insurance agency that has access to numerous options when it comes to covering your most treasured possessions. From a 16-year-old’s first car to the lake home where you and your spouse will retire, Thompson can handle all of your personal insurance needs.

Personal liability insurance or personal insurance is an insurance that protects you against personal liability claims. This liability is the result of events or accidents that cause bodily injury or property damage that you are held legally responsible for. These claims could include things like legal fees, medical fees, and coverage for your property or someone else’s property.

Without insurance coverage, you will be solely responsible for medical bills after an accident, as well as the cost of repairing or replacing damaged property.

What Does Our Personal Coverage Cover?

  • Homeowners Insurance
  • Vacation Homes and Condo Insurance
  • Secondary Homes
  • Hunting Property
  • Technology and Hardware
  • Renter’s Insurance
  • Auto Insurance
  • Life – Term, Whole, Universal, Annuities
  • Personal Umbrella
  • Watercraft & Recreational Vehicles (ATVS UTVS etc)
  • Personal Articles ( Jewelry , guns, furs, Wedding and engagement rings, silver, )

No matter what type of insurance you select, it is important to know your policy limits and exclusions. Thompson Insurance Group can help you make sense of the fine print and ensure your financial protection!

Our team works closely with you to find the right amount of coverage that you need to feel safe and secure. We use our extensive industry experience to figure out exactly how much coverage you need. Then, with that information in mind, we tailor a solution that is perfect for you.

Curious about what insurance you need in Alabama? Read on below or contact us now for guidance.


Alabama law requires all drivers to carry personal liability insurance as part of their auto insurance policy. This helps protect all parties in the event of a car accident. The personal liability coverage limit will vary, but the minimum auto liability coverage in Alabama is as follows:

  • $25,000 for death or bodily injury to one person
  • $50,000 for death or bodily injury to two or more people
  • $25,000 for damage or destruction of property


If you get sued for damages that exceed your primary liability limits, a personal umbrella policy kicks in to help cover the costs. Umbrella insurance can be added on to many types of coverage such as car insurance, business insurance, and homeowners insurance to help you avoid devastation and protect your savings.

What does personal liability insurance cover? This type of insurance will cover the cost of property damage and the treatment of injuries that someone else has suffered as a result of your actions or the actions of another family member in your household. Umbrella insurance will also cover legal fees. Depending on your policy details, it can even protect you from defamation and false imprisonment.

However, umbrella insurance does not cover your own injuries or property damage. It only kicks in if someone files an insurance claim against you.

Protect Yourself with Personal Liability Coverage from Thompson Insurance Group

As a leading personal insurance company in Montgomery, Birmingham, and surrounding areas, Thompson Insurance Group provides a variety of insurance packages that meet the needs of commercial and residential clients. We make it simple to get the coverage you need. With extensive options and packages for commercial insurance, home insurance, life insurance, health insurance, car insurance, and more, we’ll help you compare quotes and find the perfect fit. Further, we can offer advice on how to get approved and how to save money with lower premiums.

Thompson Insurance Group: brokering peace of mind, one policy at a time, since 1963.

To explore helpful resources and connect with an insurance agent near you, call or contact us online now.

Interested in Thompson Insurance?

Please provide your details and we will contact you shortly.

  • Section Break

  • This field is for validation purposes and should be left unchanged.