Small Business Insurance Policies

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Our top recommended policies for small businesses

There's no single small business insurance policy that covers all risks. Different commercial insurance coverages address different accidents, lawsuits, and damages that could impact a business. These policies address common risks.

Our top recommended policies for small businesses

General liability insurance

Coverage for common business risks including bodily injury, customer property damage, and advertising injury. Required for most commercial leases.

BEST FOR

Slip-and-fall accidents.
Damaged customer property.
Libel or slander lawsuits.

Learn About General LiabilityLearn More

Commercial property insurance

This policy covers the value of a business's physical structure and its contents, such as inventory, equipment, and furniture.

BEST FOR

Fire.
Theft or vandalism.
Windstorms.

Learn About Commercial PropertyLearn More

Business owner's policy

Coverage that bundles property insurance and general liability insurance under one plan. A BOP is often one of the most cost-effective commercial insurance policies.

BEST FOR

Customer injury.
Damaged business property.
Business interruption incidents.

Learn About Business Owner's PolicyLearn More

Professional liability insurance

This policy, also called errors and omissions insurance, can help cover legal expenses if a business is sued for unsatisfactory work.

BEST FOR

Professional negligence lawsuits.
Project scope disputes.
Work mistakes or oversights.

Learn About Professional LiabilityLearn More

Errors and omissions insurance

This policy, sometimes called professional liability insurance, is common with professional services. It can cover legal fees of lawsuits related to work performance.

BEST FOR

Business disputes.
Negligence accusations.
Work errors.

Learn About Errors and OmissionsLearn More

Workers' compensation insurance

Required for businesses with employees in almost every state, workers' comp can help cover medical fees and lost wages for work-related illnesses and injuries.

BEST FOR

Employee medical expenses.
Missed wages.
Legal costs.

Learn About Workers' CompLearn More

Cyber liability insurance

This policy helps businesses survive data breaches and cyberattacks by helping to pay for recovery expenses and associated costs.

BEST FOR

Data breach lawsuits.
Breach notification expenses.
Fraud monitoring costs.

Learn About Cyber LiabilityLearn More

Umbrella / excess liability insurance

This policy supplements limits on liability coverages when a policy's limit is reached, including general liability and other policies.

BEST FOR

Additional general liability coverage.
Additional workers’ comp coverage.
Additional commercial auto coverage.

Learn About Umbrella / Excess LiabilityLearn More

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Specialized coverage for unique risks

Businesses with expensive equipment, a board of directors, or extra liability concerns may need additional coverage.

Specialized coverage for unique risks

Businesses with expensive equipment, a board of directors, or extra liability concerns may need additional coverage.

Business interruption insurance

Coverage for lost revenue and expenses when an event forces a business to temporarily stop operations.

BEST FOR

Lost revenue.
Day-to-day expenses.
Relocation costs.

Learn About Business InterruptionLearn More

Inland marine insurance

Property coverage for business items used in the field. It typically pays for property that has been lost, damaged, or stolen.

BEST FOR

Property in transit.
Unique or valuable property.
Property that transfers information.

Learn About Inland MarineLearn More

Product liability insurance

Coverage for claims that a business's products caused personal injury or property damage.

BEST FOR

Manufacturers.
Distributors.
Retailers.

Learn About Product LiabilityLearn More

Employment practices liability insurance

This policy, also called EPLI, can cover legal expenses when an employee sues over discrimination, harassment, wrongful termination, and similar issues.

BEST FOR

Sexual harassment lawsuits.
Discrimination claims.
Mismanagement allegations.

Learn About Employment Practices LiabilityLearn More

Directors and officers insurance

D&O insurance covers decisions directors, officers, and board members make on behalf of the company. If they are sued, it may pay their legal expenses.

BEST FOR

Employment practices lawsuits.
Mismanagement accusations.
Defamation claims.

Learn About Directors and OfficersLearn More

Special event insurance

This policy combines liability and property coverages for events that occur outside of normal business activities.

BEST FOR

Business events.
Fundraisers.
Parties.

Learn About Special EventLearn More

Policies for specific industries

Common industry practices can increase risk. These policies cover those exposures.

Policies for specific industries

Common industry practices can increase risk. These policies cover those exposures.

Liquor liability insurance

Coverage for legal fees, settlements, and medical costs if alcohol is served or sold to a visibly intoxicated person who then harms others.

BEST FOR

Property damage caused to others by an overserved patron.
Injuries caused to others by an overserved patron.
Damage caused to others by a drunk employee.

Learn About Liquor LiabilityLearn More

Builder's risk insurance

Coverage for structures in progress, often paying for damage caused by fire, vandalization, and non-severe weather events. It can also cover on-site materials and equipment.

BEST FOR

Building construction.
Building renovation.
Worksite theft and vandalism.

Learn About Builder's RiskLearn More

Contractor's tools and equipment

This policy covers the value of a contractor's lost, stolen, or damaged equipment.

BEST FOR

Equipment less than five years old.
Mobile equipment.
Small tools.

Learn About Contractor's EquipmentLearn More

Auto policies for small businesses

Vehicles that are used for business purposes are required to have commercial auto insurance policies. This includes instances when employees use their personal vehicle for business.

Auto policies for small businesses

Vehicles that are used for business purposes are required to have commercial auto insurance policies. This includes instances when employees use their personal vehicle for business.