Small Business Insurance Policies

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

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.

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

This policy, sometimes called professional liability insurance, is common with professional services. It can cover legal fees 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.

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.

This policy 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.

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

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

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

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 directors, officers, and board members make 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.

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

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.

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.