Learn which coverages you should consider for your small business
Select all that apply
I rent or own a commercial building
Various job sites
Merchandise or supplies
Computers or electronics
Portable tools or machinery
I don't have commercial assets
No, it's just me.
Travel to various job sites
Transport tools or equipment
Make deliveries or run errands
Transport people for a fee
I don't use a vehicle for work
Names, addresses and SSN
Bank and credit card transactions
Medical or tax records
I don’t store or process sensitive data
You might want this coverage because you use your vehicles for work.
Commercial auto policies offer higher coverage limits and specialty coverages that aren’t typically available on a personal auto policy.
Commercial auto insurance can cover:
Deciding if commercial auto insurance is right for your business can be tricky and depends on several factors. Generally, you’ll need coverage if you use your vehicles to travel to job sites, transport tools or run errands. Depending on your specific situation, however, you might be eligible for personal auto coverage. If you’re unsure, speak with your agent or take our online assessment.
You’ll need a commercial auto policy if your vehicles are registered in the name of your business, even if you don’t use them for work.
Think of a BOP as your business’s version of a homeowner’s policy. It can protect your commercial buildings and its contents such as office furniture, merchandise, supplies and electronic equipment.
BOP coverage is made up of two parts:
A BOP also includes the same liability coverages as a basic General Liability policy, so you can manage both property and liability coverages under one policy.
This is a common coverage among small business owners, and is usually needed before you begin working for a client. Customer slips and falls, and damaging property while on a jobsite are just a few of the many things general liability can cover. Your employees, however, aren’t covered under this policy.
General liability typically covers:
You’ll want to consider this coverage in case your employees become injured or ill while at work.
Most states require this coverage if you have employees. Subcontractors are usually exempt, but you’ll want to check your state’s workers’ compensation laws to be sure.
Workers’ compensation insurance coverage typically includes:
If you need coverage in Ohio, North Dakota, Washington or Wyoming you’ll need to contact your state to secure coverage. These states only allow you to get coverage directly through them.
You might want this coverage because your business makes money by offering advice or a professional service.
Your client’s trust your professional expertise. They might hold you accountable if they feel your services or advice failed them or didn’t meet expectations.
Professional liability insurance usually covers:
Professional liability can help protect your business against these claims of negligence, whether you did something wrong or not. Consultants, architects and artisan contractors are a few of the many professions that carry this coverage.
You might want to consider cyber insurance because you store or process sensitive information and data.
You might store or process sensitive data without knowing it. Simply accepting credit card transactions or keeping a ledger of customer information could put your business at risk for a cyber-attack. Cyber insurance can be customized so you can get the right amount of coverage to match your cyber exposure.
Cyber insurance generally covers:
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