Small Business Insurance Policies

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Our top recommended policies for small businesses

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
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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.  

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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.

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Policies for specific industries

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

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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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