Money management

Business owner's policy

A BOP bundles general liability and commercial property insurance at a discount. Your level of risk, the value of your business property, and your policy limits will affect your costs.

Small business insurance

Small business owners can get a good idea of the cost of business insurance by looking at pricing data from the thousands of businesses that found policies with Insureon.

Workers' compensation insurance

Every state has its own rules when it comes to workers’ compensation insurance, so the cost of a policy will depend on where your employees are located. Companies with more employees and greater risks pay higher rates for workers' compensation coverage, because they’re more likely to face workplace injuries.

Professional liability insurance

Professional liability insurance, also known as errors and omissions insurance (E&O), protects your small business from the financial risks of professional mistakes. Any business that provides professional services or offers advice, like consultants, should consider this coverage. Your industry and the scope of your services affect the cost of this policy.

Cyber liability insurance

Cyber liability insurance covers expenses related to data breaches and cyberattacks. Policy costs are determined by factors like your policy limits and how much sensitive data your company handles.

Errors & omissions insurance

Errors and omissions insurance (E&O), also known as professional liability insurance, protects your small business from the financial risks of professional mistakes. Several factors will impact your errors and omissions insurance cost, including your industry and type of business.

Commercial umbrella insurance

Commercial umbrella insurance costs about $40 per month for each $1 million of additional coverage. Your level of risk and how much coverage you buy determine the cost of this policy.

General liability insurance

The cost of general liability insurance varies based on your business operations and policy limits, among other factors. Small businesses pay about $42 per month for this policy.

Property insurance

The size of your building, the value of your equipment, and other factors help determine the cost of property insurance (also called hazard insurance).

Small business insurance

These four methods can help you protect your small business and save money at the same time.

Commercial auto insurance

Commercial auto insurance covers the vehicles owned by a business. The cost depends on the number of vehicles, their value, and their business use, among other factors.

Business insurance glossary

A premium is the price you pay to an insurer for your small business insurance.

Hired & non-owned auto insurance
Hired and non-owned auto insurance covers vehicles that your business uses but does not own. The cost of the policy depends on several factors, including how many and the type of vehicles you use.
Business insurance glossary

A deductible is the amount of money you pay out of pocket before your insurance coverage kicks in.

Business insurance glossary

A quote is an estimate of what you’ll pay for insurance from a specific insurance company.

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