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No small business is the same, but many companies share the same risks. These key policies can protect you from common accidents, lawsuits, and damages. Our expert can offer advice based on your unique needs.
General liability insurance
This policy covers common business risks including bodily injuries, customer property damage, and advertising injuries. It’s required for most commercial leases.
BEST FOR
Slip-and-fall accidents
Damaged customer property
Libel or slander lawsuits
Business owner's policy
A business owner’s policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together.
BEST FOR
Customer injuries
Damaged business property
Business interruption incidents
Professional liability insurance
This policy, also called errors and omissions insurance (E&O), can help cover legal expenses if a business is sued for a mistake, missed deadline, or other unsatisfactory work.
BEST FOR
Professional negligence lawsuits
Project scope disputes
Work mistakes or oversights
Commercial property insurance
This policy covers a business’s physical structure and its contents, such as inventory, equipment, and furniture. It protects against theft, fire, and other losses and damages.
BEST FOR
Fire
Theft or vandalism
Windstorms
Workers’ compensation insurance
Workers’ compensation insurance is required in almost every state for businesses that have employees. It can cover medical costs for work-related injuries.
BEST FOR
Employee medical expenses
Partial missed wages
Lawsuits over employee injuries
Cyber liability insurance
This policy helps small businesses survive data breaches and cyberattacks. It can pay for recovery expenses, including the cost of notifying customers affected by a breach.
BEST FOR
Data breach lawsuits
Customer notification expenses
Fraud monitoring costs