Business Insurance
You built the business. We'll help you protect it.
Contractors, cafés, consultants, retailers, salons and startups — we help small and mid-size business owners compare commercial coverage without drowning in jargon.
Contractors, cafés, consultants, retailers, salons and startups — we help small and mid-size business owners compare commercial coverage without drowning in jargon.
Small businesses face big risks: a customer slips on a wet floor, a pipe bursts over your inventory, an employee is hurt on the job, or a client claims your advice cost them money. Without the right coverage, any one of these can drain savings that took years to build.
Many clients, landlords and contracts also require proof of insurance before you can sign a lease or start a job. We help you understand exactly what's being asked for and compare policies that meet those requirements.
Every industry is different, so we start by learning how your business really runs — your team, your location, your equipment, your clients — then compare coverage that fits.
Every policy is a bundle of individual protections. Here's what each piece does, in plain language.
Third-party injuries, property damage and advertising claims against your business.
Your building, equipment, inventory and furniture after fire, theft or storms.
A cost-effective bundle of liability and property for small businesses.
Medical bills and lost wages for employees injured on the job. Required in most states.
Protection against claims of mistakes, negligence or missed deadlines.
Data breach response and coverage for vehicles used for work.
A simplified look at common coverage levels. Your agent will tailor this to your situation.
| Business Type | Commonly Considered Coverage |
|---|---|
| Contractors & Trades | General liability, tools & equipment, commercial auto, workers' comp |
| Restaurants & Cafés | BOP, liquor liability, equipment breakdown, spoilage |
| Consultants & Agencies | Professional liability, cyber, general liability |
| Retail Shops | BOP, inventory, business interruption, crime |
| Home-Based Businesses | In-home business endorsement or BOP, cyber |
It depends on your state and industry. Workers' comp is required in most states once you have employees, and commercial auto if you use vehicles for work.
A BOP bundles general liability and commercial property into one package, usually at a lower price than buying each separately.
Often only minimally. Business equipment and client-related liability usually need separate coverage.
In many cases, the same day your policy is bound.
One quick call. A licensed agent compares options for you while you listen.