Coverage that keeps your business moving.
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The right commercial coverage keeps a business running when something goes wrong — a customer injury, a property loss, an employee claim, or a lawsuit. But business insurance is rarely one-size-fits-all: the coverage you need depends on your industry, size and risk.
Tell us the basics about your business and a commercial specialist will call you back with tailored options — general liability, a Business Owner's Policy (BOP), workers' comp, commercial property, professional liability, cyber and more.
What business insurance insurance covers
General Liability
Covers third-party bodily injury, property damage and related claims.
Business Owner's Policy (BOP)
Bundles liability and property coverage, often at a better price.
Workers' Compensation
Required in most states once you have employees — covers work-related injuries.
Professional & Cyber
Protects against errors & omissions claims and data-breach exposure.
Business Insurance insurance — frequently asked questions
It varies by industry, but most businesses start with general liability (often via a BOP) and add workers' comp once they have employees. Service firms frequently add professional liability (E&O), and anyone handling data should consider cyber coverage.
It depends on your industry, revenue, payroll, location and the coverages you choose. A small low-risk business can often get general liability affordably; a specialist will price it to your specifics.
In most states, yes — once you have employees. Requirements vary by state and business type. A commercial specialist can confirm what applies to you.
A Business Owner's Policy bundles general liability and commercial property coverage into one package, typically at a lower combined cost than buying them separately — a common starting point for small businesses.
Business Insurance guides
Plain-English explainers written and reviewed by licensed agents.