Small business insurance
Find recommended policies for your business, descriptions of what each commercial policy covers, and insurance cost estimates.
State laws usually require businesses to buy workers' compensation insurance when they have employees. But even if you work as a sole proprietor, you may still need this coverage.
Professional liability insurance provides financial protection against legal disputes over professional mistakes. Learn more about coverage, costs, and other considerations.
Some types of insurance benefit every tech business. Other types cover liabilities specific to businesses with employees, offices, or other risk factors.
Liability insurance can protect you from risks and help your business meet contract requirements. Here’s how to decide which coverage limits you need for your liability policies.
Lawsuits, even frivolous lawsuits, can cost your business valuable time and money. Business insurance can provide peace of mind and financial protection against legal costs.
General liability insurance is included in a business owner's policy (BOP), a cost-saving bundle designed for low-risk businesses. General liability covers bodily injuries, damage to a customer's property, and advertising injuries. A BOP provides the same coverage, along with commercial property insurance.
Errors and omissions insurance (E&O) and general liability insurance are types of liability insurance that protect your business in different ways. Let’s look at why so many small business owners buy both types of insurance coverage.
It’s not as difficult as you might think to find affordable small business insurance. From comparison shopping to bundling policies, learn how you can save money and still protect your business.
A certificate of liability insurance is a document that proves your company has liability coverage. Your insurer issues you this certificate with your insurance policy – and you can also download a copy online whenever you need it.
A subcontractor could be sued for a number of reasons. Even if they’re not at fault, they could still face an expensive legal battle. Having the right kind of insurance can protect against this kind of risk. You may also need insurance to secure certain contracts, especially when dealing with government entities.
Buying or renting an office is a big step for a small company – so you’ll want to make sure to protect your investment with office insurance. While commercial property insurance pays for damage to your building and belongings, you’ll likely need other policies as well.
The questions you’ll need to answer to get an insurance quote will vary based on the policy. If you have this information on hand before you apply, you can save time and avoid headaches.
Liability claims can be a threat to your business. If you’re accused of injuring someone, damaging property, or causing other harm it could easily turn into a costly lawsuit. That’s why it's important to have the right insurance protection in place to cover a range of potential liability risks.
Typically, you need to contact your insurance carrier directly when you want to file a commercial insurance claim. But the steps you take may differ based on whether you're filing a property claim or a liability claim.
