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

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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.
General liability insurance icon

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
Business owner's policy icon

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 icon

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 icon

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 icon

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 icon

Cyber liability insurance

This policy helps businesses survive data breaches and cyberattacks by helping to cover recovery expenses and associated costs.
BEST FOR
  • Data breach lawsuits.
  • Breach notification expenses.
  • Fraud monitoring costs.
Learn About Cyber LiabilityLearn More

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Learn about the best policies for your business in two minutes with Policy Buddy.

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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

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Businesses with expensive equipment, a board of directors, or extra liability concerns may need additional coverage.
Umbrella / excess liability insurance icon

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 liability coverage.
  • Additional workers' comp coverage.
  • Additional commercial coverage.
Learn About Umbrella / Excess LiabilityLearn More
Commercial property insurance icon

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 interruption insurance icon

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 icon

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 icon

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 icon

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 icon

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 icon

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

How much does small business insurance cost?

Business insurance cost estimates

Insurance can cost as little as $21 per month for some small businesses. Several factors affect policy costs, including:

  • Industry and risk factors.
  • Coverage limits.
  • Location.
  • Number of employees.
View Small Business Insurance CostsView Small Business Insurance Costs

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

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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.
Commercial auto insurance icon

Commercial auto insurance

Coverage for business-owned vehicles. This policy typically pays for the other person's damages after an accident and damage by theft, weather, and vandalism.
BEST FOR
  • Car accidents.
  • Vandalism and theft.
  • Weather damage.
Learn About Commercial AutoLearn More
Hired and non-owned auto insurance icon

Hired and non-owned auto insurance

This policy covers a business's liability in accidents that occur while driving leased vehicles, rentals, and employee-owned cars for company errands.
BEST FOR
  • Accidents in leased vehicles.
  • Accidents in rental cars.
  • Accidents in employee-owned vehicles.
Learn About Hired and Non-OwnedLearn More

Policies for specific industries

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

Policies for specific industries

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Common industry practices can increase risk. These policies cover those exposures.
Liquor liability insurance icon

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 icon

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 coverage icon

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

Bonds for small businesses

Businesses may need bond insurance if they work with the government or handle a client’s finances.

Bonds for small businesses

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Businesses may need bond insurance if they work with the government or handle a client’s finances.
Fidelity bond icon

Fidelity bond

This bond, also called an employee dishonesty bond, covers client accusations of employee theft, including theft by electronic funds transfer.
BEST FOR
  • Employee theft or fraud.
  • Unlawful data access by an employee.
  • Illegal fund transfer by an employee.
Learn About Fidelity BondLearn More
Surety bond icon

Surety bond

This bond assures a business's clients that its insurance company will reimburse their losses if the business fails to deliver contracted services.
BEST FOR
  • Failure to deliver services.
  • Contract disputes.
  • Incomplete work.
Learn About Surety BondLearn More
License / permit bond icon

License / permit bond

This bond offers guarantees a business will perform the contracted work and adhere to state or town regulations.
BEST FOR
  • Failure to complete work.
  • Failure to follow regulations.
  • Failure to meet industry standards.
Learn About License / Permit BondLearn More

Save money on small business insurance

A few simple actions can lead to big savings shopping for commercial insurance for your small business.

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