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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