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Getting Started
Protect Your Business with Insurance Designed for Your Success
Small Business
Small business insurance is a collection of insurance policies designed to protect your business from unexpected financial losses. Whether you own a retail store, restaurant, contracting business, consulting firm, or home-based business, the right coverage helps safeguard your company against risks such as property damage, liability claims, employee injuries, cyber threats, and other unforeseen events.
Every business faces unique risks, which is why there isn’t a one-size-fits-all policy. Depending on your business type, size, industry, and operations, your coverage may include general liability, commercial property, workers’ compensation, professional liability, commercial auto, cyber liability, and other specialized policies.
Having the right business insurance not only helps protect your assets and income but may also be required by law, landlords, clients, or business contracts. Most importantly, it provides peace of mind so you can focus on growing your business with confidence.
Why
Unexpected events can happen at any time. The right insurance can help protect your business from financial loss caused by:
Having the right coverage provides confidence that your business can continue operating when the unexpected occurs.
Coverage
Most small businesses should consider these core types of insurance protection.
Property insurance helps protect the physical assets your business relies on every day. If your building, office space, equipment, inventory, furniture, computers, or tools are damaged or destroyed by a covered event such as fire, theft, vandalism, or certain weather-related losses, property insurance can help pay for repairs or replacement.
Depending on your policy, coverage may also include:
Even the most careful businesses can face lawsuits.
General liability insurance helps protect your business if a customer or third party claims your business caused bodily injury, property damage, or personal injury. It can help cover:
Liability insurance is one of the most important policies every business should have.
If your business owns or uses vehicles for work, commercial auto insurance provides protection beyond a personal auto policy.
Coverage may include:
Most states require businesses with employees to carry workers’ compensation insurance. Requirements vary by state and by the number of employees.
Workers’ compensation helps cover:
Even small businesses may need workers’ compensation coverage depending on state regulations and the nature of the work performed.
Coverage
Many businesses require specialized protection beyond the basics. Depending on your operations, you may also benefit from the following coverages.
If your business provides professional advice or services, errors and omissions insurance helps protect you if a client claims your mistake, oversight, or failure to perform caused them financial harm.
This coverage can help pay for:
Employment Practices Liability Insurance helps protect your business against claims made by current, former, or prospective employees involving:
Legal defense costs alone can be significant, making this valuable coverage for many employers.
Some businesses depend heavily on one or more key employees whose knowledge, leadership, or expertise is critical to daily operations.
Key employee insurance can help offset financial losses if a key employee dies or becomes disabled by providing funds to help the business recover, recruit replacements, or continue operations.
A commercial umbrella policy provides an extra layer of liability protection above the limits of your underlying insurance policies, such as:
Umbrella coverage is designed to help protect your business from large or unexpected claims that exceed the limits of your primary insurance.