Ala. Code
Code of Alabama

Ala. Code § 27-14-1 (2026)

Definitions.

✓ official Alabama Legislature (ALISON) text, current July 2026
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For the purposes of this chapter, the following terms shall have the meanings respectively ascribed to them by this section:

(1) POLICY. A written contract of, or written agreement for, or effecting, insurance, by whatever name called, and includes all clauses, riders, endorsements, and papers attached, or issued, and delivered for attachment thereto and made a part thereof.

(2) PREMIUM. The consideration for insurance, by whatever name called. Any “assessment” or any “membership,” “policy,” “survey,” “inspection,” “service,” or similar fee or charge in consideration for an insurance contract is deemed part of the premium.

(Acts 1971, No. 407, p. 707, §315.)

Notes of Decisions
Cited in 9 cases, 1994–2018 · leading case: Madison Cnty. v. Evanston Ins. Co., 340 F. Supp. 3d 1232 (N.D. Ala. 2018).
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Madison Cnty. v. Evanston Ins. Co., 340 F. Supp. 3d 1232 (N.D. Ala. 2018). · cites it 5× “Alabama Code § 27-14-1 defines the term "policy" as a "written contract of, or written agreement for, or effecting, insurance, by whatever name called, and includes all clauses, riders, endorsements, and papers attached, *1263 or issued, and delivered for attachment thereto and…”
Philadelphia Am. Life Ins. Co. v. Turner, 131 S.W.3d 576 (Tex. App. 2004). “See Ala.Code §§ 27-14-1(2), 27-14-2 (1975); Ariz.”
Alabama Dep't of Revenue v. Am. Equity Inv. Life Ins. Co., 169 So. 3d 1069 (Ala. Civ. App. 2015). · cites it 2× “” “Premium” is defined as “[t]he consideration for insurance, by whatever name called,” in Ala.Code 1975, § 27-14-1(2). Both Ala. Code 1975, § 27-13-60(2), which provides the definitions governing casualty and surety insurance, and Ala.”
African Methodist Episcopal Church, Inc. v. Smith, 217 So. 3d 816 (Ala. 2016). “Section 27-14-1 of the Code of Alabama, which defines an insurance policy as including ‘all clauses, riders, endorsements and papers attached, or issued, and delivered for attachment thereto and made a part thereof,’ also supports this reading of Greene .”
Ex Parte Clarke, 728 So. 2d 135 (Ala. 1998). “" Section 27-14-1(1), Ala.Code 1975, defines the term "policy," as it is used in § 27-14-19(a), as including "endorsements" to insurance contracts.”
Sheffield v. State, 706 So. 2d 1282 (Ala. Crim. App. 1996). “Specifically, §§ 27-14-1, 27-27-26, 27-30-1, 27-30-20, 27-30-30(a), 27-37-1, 27-41-5, 27-41-36.”
Clarke v. Allstate Ins. Co., 728 So. 2d 135 (Ala. 1998). “” Section 27-14-1(1), Ala.Code 1975, defines the term “policy,” as it is used in § 27-14-19(a), as including “endorsements” to insurance contracts.”
Philadelphia Am. Life Ins. Co. v. Billy \Rex\" Turner" (Tex. App. 2004). “” 5: See Ala. Code §§ 27-14-1 (2), 27-14-2 (1975); Ariz.”
Gauntt v. United Ins. Co. of Am., 853 F. Supp. 1382 (M.D. Ala. 1994). “Section 27-14-1 of the Code of Alabama (1986) defines an insurance policy as [a] written contract of, or written agreement for, or effecting, insurance, by whatever name called, and includes all clauses, riders, endorsements and papers attached, or issued, and delivered for…”
— Ala. Code § 27-14-1(1) — 3 cases
Madison Cnty. v. Evanston Ins. Co., 340 F. Supp. 3d 1232 (N.D. Ala. 2018). “Alabama Code § 27-14-1 defines the term "policy" as a "written contract of, or written agreement for, or effecting, insurance, by whatever name called, and includes all clauses, riders, endorsements, and papers attached, *1263 or issued, and delivered for attachment thereto and…”
Ex Parte Clarke, 728 So. 2d 135 (Ala. 1998). “" Section 27-14-1(1), Ala.Code 1975, defines the term "policy," as it is used in § 27-14-19(a), as including "endorsements" to insurance contracts.”
Clarke v. Allstate Ins. Co., 728 So. 2d 135 (Ala. 1998). “” Section 27-14-1(1), Ala.Code 1975, defines the term “policy,” as it is used in § 27-14-19(a), as including “endorsements” to insurance contracts.”
— Ala. Code § 27-14-1(2) — 2 cases
Philadelphia Am. Life Ins. Co. v. Turner, 131 S.W.3d 576 (Tex. App. 2004). “See Ala.Code §§ 27-14-1(2), 27-14-2 (1975); Ariz.”
Alabama Dep't of Revenue v. Am. Equity Inv. Life Ins. Co., 169 So. 3d 1069 (Ala. Civ. App. 2015). “” “Premium” is defined as “[t]he consideration for insurance, by whatever name called,” in Ala.Code 1975, § 27-14-1(2). Both Ala. Code 1975, § 27-13-60(2), which provides the definitions governing casualty and surety insurance, and Ala.”
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