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Small Business Insurance Guide: What Coverage Do You Need?
Complete guide to essential business insurance types and how to choose the right coverage for your company.
Read More →Find comprehensive business insurance coverage for your company. Compare quotes for general liability, professional liability, workers' compensation, and cyber liability from top commercial insurers.
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Business insurance protects your company from financial risks that could threaten its survival
Every business faces risks that could result in costly lawsuits, property damage, or business interruption. Business insurance provides financial protection and legal defense when you need it most. The average cost of business insurance ranges from $500-$3,000 annually depending on your industry and size.
Defend against lawsuits and liability claims that could bankrupt your business
Protect business assets and ensure continuity after covered losses
Meet legal requirements and client contract obligations
*Based on industry data from NFIB, SBA, and insurance industry reports
Different industries face unique risks. Find specialized coverage recommendations for your business type.
Comprehensive protection for the various risks your business faces
Protects against third-party claims for bodily injury, property damage, and personal injury.
Covers claims of professional negligence, errors, and omissions in your services.
Covers employee medical expenses and lost wages from work-related injuries.
Protects business property, equipment, and inventory from covered perils.
Covers data breaches, cyber attacks, and digital security incidents.
Covers business vehicles and employees driving for work purposes.
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Expert insights to help you make informed decisions about protecting your business
Complete guide to essential business insurance types and how to choose the right coverage for your company.
Read More →Understand the key differences and when you need each type of liability coverage for your business.
Read More →State-by-state guide to workers' comp requirements and how to stay compliant with employment laws.
Read More →Learn about cyber threats facing modern businesses and how cyber liability insurance protects your company.
Read More →Get answers to common questions about business insurance
Most businesses need general liability insurance at minimum. Depending on your business type, you may also need professional liability, workers' compensation, commercial property, and cyber liability insurance. Service-based businesses typically need professional liability, while businesses with employees need workers' compensation.
Business insurance costs vary widely based on your industry, business size, location, and coverage needs. Small, low-risk businesses might pay $500-1,000 annually for basic coverage, while high-risk industries or larger businesses can pay $5,000-15,000+ per year for comprehensive coverage.
Yes, many insurers offer Business Owner's Policies (BOP) that bundle general liability and commercial property insurance at a discount. You can often add other coverages like cyber liability, professional liability, or commercial auto to create a comprehensive package.
Workers' compensation requirements vary by state. Most states require it if you have employees, though some states exempt very small businesses (1-3 employees) or certain industries. Independent contractors typically don't require coverage, but misclassifying employees as contractors can lead to penalties.
General liability covers third-party bodily injury and property damage claims (like a customer slipping in your store). Professional liability covers claims related to your professional services, such as errors, omissions, or failure to deliver promised results. Service businesses typically need both types.
Compare business insurance quotes and find comprehensive coverage that protects your company's future.