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
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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.  

Ready to explore policies for your business? Get quotes.

Small business insurance frequently asked questions

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.

Why do I need business insurance?

Business insurance, also called commercial insurance, provides crucial protection for any small business. If there’s an accident at your business, you could face a lawsuit. The high cost of litigation, medical bills, and property damage claims is the primary reason businesses need insurance.

Your risk exposure determines which policies you need. The policy most businesses purchase is general liability insurance, which protects against customer injuries and other common accidents. You may need additional policies if you have employees, own a building, own a business vehicle, or provide expert advice.

Learn more about why a business might need liability 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.

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