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Small Business Insurance Policies

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Our top recommended policies for small business owners

No single small business insurance policy covers all risks. Different types of commercial insurance address different accidents, lawsuits, and damages that could impact a business. These policies address common risks.

How much does small business insurance cost?

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Small businesses, especially low-risk ones, often qualify for discounted business insurance. Several factors affect policy costs, including:

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

Auto insurance for small businesses

Business-owned vehicles are required to have commercial auto insurance. Additionally, personal vehicles used for business purposes are not covered by your personal auto insurance policy.

Ready to explore policies for your business? Get quotes.

Specialized coverage for unique risks

Businesses with expensive equipment, a board of directors, or extra liability concerns may need additional coverage, or endorsements that cover common exclusions. Coverage for communicable diseases is available, but it's not part of standard policies. Most insurers will not write new policies covering COVID-19.

Common questions about small business insurance

How much does small business insurance cost?

Business insurance costs vary based on the policies you purchase and your coverage limits. Other factors include your industry, number of employees, revenue, and location. Small, low-risk businesses – especially those that qualify for a business owner’s policy – pay less for insurance than larger companies.

Learn more about business insurance costs.

How do I get small business insurance?

It’s easy to get small business insurance if you have your business information on hand. An insurance application will ask for basic facts about your business, such as revenue and number of employees. With Insureon, you can complete one application to receive multiple quotes from top U.S. carriers. You can buy insurance policies for a wide range of risks.

Learn more about how to get business insurance.

What does small business insurance cover?

No single insurance policy covers everything. In general, there are two broad areas of insurance coverage:

Learn more about small business liability coverage and what coverage is right for you.

Which business insurance policies protect against the coronavirus (COVID-19)?

Most standard business insurance policies exclude coverage for communicable diseases, such as COVID-19. Small business owners are often curious if the following policies provide any coverage for the coronavirus.

Business interruption insurance is an endorsement to commercial property insurance. It typically covers losses related to property damage only, such as a fire or burst pipe.

Special event insurance provides short-term coverage for a business event. It usually excludes communicable disease coverage. However, some policies might cover lost deposits or event postponement regardless of the reason behind it.

Workers' compensation insurance covers on-the-job injuries and occupational illnesses. Because each state sets its own laws for workers' comp, you may be able to recoup losses if your employees are unable to work due to the coronavirus.

Always check with your insurance provider if you think you might be eligible for a claim. And feel free to contact an Insureon agent if you have any questions.

Policies for specific industries

These policies cover the risks of certain industries, such as bars and construction companies. 

Bonds for small businesses

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

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