Business Insurance
Most small businesses buy their first policy because a client or a landlord asked for a certificate. That is a reasonable trigger, but the coverage underneath it should be built for what you actually do.
- General liability with certificates issued quickly
- Property, equipment, and business interruption reviewed together
- Coverage matched to your trade, not a generic package
Request a business insurance quote
Tell us what you need covered. A licensed agent follows up with options, usually the same business day.
What a business insurance policy actually does
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General liability
Third-party bodily injury and property damage, plus personal and advertising injury. This is the coverage almost every contract requires.
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Commercial property
Your building, tenant improvements, inventory, and equipment against fire, theft, and covered weather events.
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Business interruption
Lost income and continuing expenses while you cannot operate after a covered property loss. Consistently the most underestimated coverage a small business carries.
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Professional liability
Claims arising from your professional advice or services. General liability does not cover a mistake in the work itself. This is a common and expensive misunderstanding.
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Workers' compensation
Employee injury coverage, required in most states as soon as you have employees, with rules that vary considerably by state.
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Cyber liability
Breach response, notification costs, and liability after a data incident. Relevant to any business holding customer data, which is nearly all of them.
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Employee injuries under general liability
Those belong to workers' compensation, which is a separate policy.
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Professional errors under general liability
Faulty work and bad advice need professional liability. This gap causes more surprised business owners than any other.
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Commercial vehicles under a personal auto policy
A vehicle used for business needs commercial auto coverage.
Business Insurance questions
What is a BOP?
A Business Owner's Policy bundles general liability and commercial property, usually cheaper than buying them separately. It suits many small businesses and excludes some industries entirely.
How fast can I get a certificate of insurance?
Frequently the same day once the policy is bound. Tell us the contract requirements up front: required limits and additional-insured wording differ, and matching them the first time avoids a re-issue.
Do I need workers' comp for one employee?
In most states, yes, and often from the first employee. Thresholds and the treatment of owners and contractors vary by state.
Am I covered working from home?
Homeowners policies sharply limit business property and generally exclude business liability. A small endorsement or a separate policy closes it.
Related coverage
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Commercial Auto Insurance
A personal auto policy excludes business use. If a vehicle earns money, it needs a commercial policy.
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Rideshare Insurance
The gap between your personal policy and the platform's coverage is real and it is yours. Rideshare endorsements close it.
Not sure what you need?
Tell a licensed agent what you're insuring and what you're worried about. We'll walk through the options and what each one actually costs.