Ala. Code
Code of Alabama

Ala. Code § 27-3-1 (2026)

Certificate of Authority - Requirement.

✓ official Alabama Legislature (ALISON) text, current July 2026
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(a) No person shall act as an insurer and no insurer shall transact insurance in this state unless so authorized by a subsisting certificate of authority issued to it by the commissioner, except as to such transactions as are expressly otherwise provided for in this title.

(b) No insurer shall from offices or by personnel or facilities located in this state solicit insurance applications or otherwise transact insurance in another state or country unless it holds a subsisting certificate of authority issued to it by the commissioner authorizing it to transact the same kind or kinds of insurance in this state.

(Acts 1971, No. 407, p. 707, §48.)

Notes of Decisions
Cited in 6 cases, 1989–2010 · leading case: Alabama Ins. Guar. Ass'n v. Ass'n of Gen. Contractors Self-Insurer's Fund, 80 So. 3d 188 (Ala. 2010).
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Alabama Ins. Guar. Ass'n v. Ass'n of Gen. Contractors Self-Insurer's Fund, 80 So. 3d 188 (Ala. 2010). · cites it 4× “See Ala.Code 1975, § 27-3-1(a) ("No person shall act as an insurer and no insurer shall transact insurance in this state unless so authorized by a subsisting certificate of authority issued to it by the commissioner, except as to such transactions as are expressly otherwise…”
Ballard v. Lee, 671 So. 2d 1368 (Ala. 1995). · cites it 3× “NOTES [1] An "authorized" insurer is one duly certified by the Alabama Department of Insurance to "transact insurance in this state," Ala.Code 1975, § 27-3-1, upon compliance with the provisions of §§ 27-3-1 to -29.”
Alabama Ins. Guar. Ass'n v. Pierce, 551 So. 2d 310 (Ala. 1989). · cites it 2× “Ala. Code 1975, § 27-3-1 et seq. After O.”
Steele v. First Deposit Nat'l Bank, 732 So. 2d 301 (Ala. Civ. App. 1999). · cites it 2× “Steele filed an action against First Deposit National Bank and several other banks (hereinafter collectively referred to as “the banks”) alleging that the banks were selling insurance in contravention of § 27-3-1, Ala.Code 1975. In her action, Steele alleged that “Credit…”
Coates v. MS Dealer Serv. Corp., 747 So. 2d 341 (Ala. Civ. App. 1999). · cites it 3× “Coates argues that the trial court erred by entering the summary judgment for MS, because, she contends, she presented substantial evidence indicating that the service contract issued by MS is a contract for insurance and that MS’s failure to obtain a certificate of authority to…”
Burlington Ins. v. Fluid Servs., Inc., 13 So. 3d 965 (Ala. Civ. App. 2008). · cites it 2× “Ala.Code 1975, § 27-3-1. An insurer that is not authorized to transact business in this state because it does not possess a certificate of authority is an “unauthorized insurer.”
Ala. Code § 27-3-1(a): 1 case
Alabama Ins. Guar. Ass'n v. Ass'n of Gen. Contractors Self-Insurer's Fund, 80 So. 3d 188 (Ala. 2010). “See Ala.Code 1975, § 27-3-1(a) ("No person shall act as an insurer and no insurer shall transact insurance in this state unless so authorized by a subsisting certificate of authority issued to it by the commissioner, except as to such transactions as are expressly otherwise…”
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