Small Business Insurance

This policy covers common business risks including bodily injuries, customer property damage, and advertising injuries. It's required for most commercial leases.

A BOP bundles commercial property insurance and general liability insurance under one plan. It's one of the most cost-effective commercial insurance policies.

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

E&O, sometimes called professional liability insurance, is common with professional services. It can cover legal costs of lawsuits related to work performance.

This policy is required in almost every state for businesses with employees. It covers medical bills and lost wages for work-related illnesses and injuries.

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

This policy is usually required for business-owned vehicles. It helps cover the costs of a vehicle accident, theft, or vandalism.

HNOA covers a business's liability in accidents that occur while driving leased vehicles, rentals, and employee-owned cars for company errands.

This policy provides additional coverage once another policy's limit is reached. It boosts coverage on your existing general liability insurance and other liability policies.

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

This policy covers lost revenue, rent, and other day-to-day expenses when an event forces a business to temporarily stop operations.

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

Included in general liability, this policy covers injuries or property damage caused by your product or completed service. It's also called products-completed operations coverage.

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

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

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

This policy helps pay legal fees, settlements, and medical costs if alcohol is served or sold to a visibly intoxicated person who then harms others.

This policy covers structures in progress and materials, often paying for damage caused by fire, vandalization, and non-severe weather events.

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

Fidelity bonds, also called employee dishonesty bonds, cover client accusations of employee theft, including theft by electronic funds transfer.

Surety bonds assure a business's clients that an insurance company will reimburse their losses if the business fails to deliver contracted services.

License / permit bonds offer guarantees a business will perform the contracted work and adhere to state or town regulations. They are often prerequisites for licenses and permits.