Small Business Insurance

Owning a small business can be rewarding—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.

Owning a small business can also be risky, which is why carrying mandatory and appropriate insurance coverage is important.

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. If you don’t carry the right insurance coverage, your business may be held liable for these damages.

Fortunately, when you carry the right types of small business insurance coverage, your small business can be better protected from liability and financial loss.


What are common types of small business insurance?

Workers’ comp

Workers’ compensation insurance, also called workman’s comp, helps protect small businesses and employees if they become ill or injured on the job. Get a quote in 3 minutes.

Business owner’s

A business owner’s policy (BOP) is bundled insurance that may include business interruption insurance, property insurance, and liability coverage for a small business.

Commercial auto

Commercial automobile insurance is a type of policy that helps cover liability and physical damage for vehicles—such as cars, trucks, and vans—that are owned and operated by a small business.

Cyber risk

Cyber risk insurance, also called cyber liability insurance, helps cover small businesses for an event like a data breach—in which customer, employee, or company information is stolen or compromised.

Errors & omissions

Errors and omissions (E&O) insurance helps protect a small business against claims by third parties who believe they were harmed due to advice or services the business provided.

General liability

General liability insurance is a type of policy that helps protect a small business against third-party claims that involve property damage, bodily injury, or advertising injury.

Professional liability

Professional liability insurance helps protect a small business against claims by third parties who believe they were harmed due to advice or services the business provided.

Small group health

Small business group health insurance may be provided by a small business to its employees to help them cover wellness costs—often including medical, dental, and vision care.

Specialized Coverage

Additional specialized insurance policies—coverage types that are specific to the particular industry a small business operates within—may be built into a business owner’s policy or purchased separately.

Search by industry below.

Want to learn more about small business insurance? Visit our education center.

Find small business insurance by industry

Auto Shops
Barber Shops
Office Work
Restaurants and Bars
Trucking and Delivery

More than three-quarters of small businesses overpay for workers' comp coverage.