The Alabama series LLC for asset protection
A series LLC lets you hold multiple properties or business lines in separate liability silos under one master LLC — so a lawsuit against one can’t reach the others. It’s the protection of many separate LLCs, at much lower cost. Here is how it works in Alabama.
These are the questions that matter most when you’re looking at a series LLC.
What is a series LLC?
A series LLC is a single master LLC that can hold multiple internal “series,” each with its own assets and its own liability shield. Alabama recognizes them. You get the separation of many standalone LLCs — so trouble with one asset can’t reach the others — but with far less paperwork and cost.
One asset, one silo
Walled off
Each property or business line sits in its own series, legally isolated from the rest.
One master LLC
Less overhead
Instead of a separate LLC, filing, and bank account for each, you run everything under one master entity.
How does it protect me?
The power is in the walls between the series. A claim against what’s inside one series generally reaches only that series — the rest of your portfolio stays untouched. But those walls only hold if you keep each series genuinely separate.
All in one plain LLC
One claim, whole portfolio
- Every property sits in the same entity
- A lawsuit against one can reach them all
- A single accident threatens everything
Split into a series LLC
One claim, one silo
- Each property sits in its own series
- A lawsuit against one reaches only that series
- The rest of the portfolio is insulated
What does it look like in practice?
For someone with a handful of rentals, the structure is the difference between losing one property and risking all of them.
All rentals in one LLC
One lawsuit reaches them all
James Caldwell owns several Gulf Coast rentals in a single LLC. A tenant is injured at one property and wins a judgment beyond the insurance — and because every rental sits in the same LLC, all of them are on the hook.
Each rental in its own series
The claim is contained
James holds each rental in its own series under one master LLC. The same lawsuit reaches only that one property’s series; the rest are insulated — and he still files one master LLC instead of many.
James Caldwell is a composite example used to show how the structure works — not a real client.
Would a series LLC help me?
Five short choices. Brent reads your answer back to you at the end.
A 30-second guided quiz. Get a personal read on whether a series LLC fits.
How Brent helps you
- Looks at whether a series LLC actually fits your assets and risk
- Drafts the master operating agreement and each series so the walls hold up
- Sets up the separate accounts, titling, and records each series needs
- Pairs the series LLC with trusts for both protection and privacy
