Coverage
The policies small business owners actually get asked for.
We match quote requests for the coverage below. Descriptions are general education — your matched licensed partner confirms what applies to your business and state.
Get quotes for my businessGeneral Liability
Third-party injury and property damage claims — the coverage most contracts require.
Who needs it: Almost every business with customers, job sites, or a commercial lease. Usually the policy a client or landlord demands on a certificate of insurance.
Commonly covers
- Customer slip-and-fall injuries
- Damage you cause to a client's property
- Advertising and reputational injury claims
- Legal defense costs, even for claims that go nowhere
Workers' Compensation
Medical costs and lost wages when an employee is hurt on the job.
Who needs it: Required in nearly every state as soon as you have employees. Rules for owners, officers, and 1099 crews vary by state.
Commonly covers
- Medical treatment for on-the-job injuries
- A portion of lost wages during recovery
- Rehabilitation and return-to-work costs
- Employer liability for workplace injury suits
Commercial Auto
Vans, trucks, and fleets used for business, including hired and non-owned.
Who needs it: Any business with titled vehicles, or employees driving personal cars for work.
Commonly covers
- Liability for accidents in business vehicles
- Physical damage to owned vans and trucks
- Hired and non-owned auto exposure
- Tools and equipment in transit (by endorsement)
Business Owner's Policy
General liability plus property, bundled for storefronts and offices.
Who needs it: Storefronts, offices, and light-risk operations under roughly $5M in revenue.
Commonly covers
- General liability coverage
- Building and business personal property
- Business income after a covered shutdown
- Equipment breakdown (by endorsement)
Professional Liability (E&O)
Claims of negligent work, missed deadlines, or bad advice.
Who needs it: Consultants, agencies, IT, design, accounting, real estate, and anyone paid for expertise.
Commonly covers
- Claims of negligent or incomplete work
- Missed deadlines and cost overruns
- Bad advice or faulty recommendations
- Defense costs for professional disputes
Cyber Liability
Breach response, data restoration, and liability after an incident.
Who needs it: Any business that stores customer data, takes card payments, or runs on cloud tools.
Commonly covers
- Breach notification and credit monitoring
- Ransomware negotiation and data restoration
- Third-party liability after a data incident
- Business interruption from a network event