Small Business Insurance

Running a small business is a great way to achieve goals—whether it’s making your concept a reality, building a team of employees, contributing to the economy, seeing satisfied customers, or simply working for yourself. Of course, making sure you have apporpriate small business insurance is an important part of being able to meet those goals.

If you own a small business, your workers may face risks such as slips, trips, falls, or chemical exposure. Your customers could be injured on your property or by your products. Your property could be harmed due to fire or catastrophic weather. And you could be held liable for these damages.

Fortunately, when you carry the right types of small business insurance, your customers and employees may be covered in the case of illness or injury, and you may be protected from liability and financial loss.

What are the common types of small business insurance?

Workers’ Compensation

Workers’ compensation insurance helps protect your employees if they become ill or injured on the job. Save up to 30% in minutes

General Liability

General liability insurance helps protect you and your company against third-party claims that involve property damage, bodily injury, or advertising injury.

Business Owner’s Policy

BOP is bundled insurance that may include business interruption insurance, property insurance, and liability coverage for your small business.

Commercial Auto Insurance

Commercial automobile insurance helps cover liability and physical damage for vehicles owned by your company.

Cyber Insurance

Cyber liability insurance helps cover your small business for events such as a data breach in which your customers’ or employees’ personal information or your company’s data is stolen or held hostage.

Additional Insurance Options

Additional specialized coverage may be built into your business owner’s policy or purchased separately to customize your small business insurance package.

What are some small business risks, and which type of business insurance may cover them?

Selecting small business insurance can be confusing. Here are some sample scenarios to point you in the right direction. We recommend consulting with a trusted advisor to make sure you get the right types of coverage for your business.

An employees develops a back injury from unloading heavy boxes
Workers’ compensation insurance may cover the worker’s medical bills and lost wages.
Falling items from a display injure a customer’s arm
General liability insurance may cover the customer’s medical bills and lost wages due to bodily injury and protects your company from further liability.
The warehouse and products are damaged by fire
Property insurance (often through a bundled business owner’s policy) may cover the costs to rebuild the warehouse and replace your products.
In addition to the damage, the business is interrupted due to the fire
Business interruption insurance (often through a business owner’s policy) may cover lost profits, temporary location moving costs, and certain operating expenses related to business loss from the fire.
An employee runs the delivery truck into a parked car
Commercial auto insurance may cover the auto repair costs and the third party’s car repair bills.

Who needs small business insurance?

Any small business owner that sells goods, provides services, or has employees should invest in adequate business insurance to help protect their resources, their customers, and their employees.

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