Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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small business insurance coverage

You can get small business insurance coverage by comparing rates on this site if you know what kind of insurance coverage you need for your small business. There are several different types of policies you might need depending on the scope of your activities and number of employees.

Save time and money by comparing business insurance quotes. Enter your ZIP code above to compare rates!

Small Business Insurance Coverages

  • Property
  • General Liability
  • Professional Liability
  • Workers’ Compensation
  • Health, Disability, Life
  • Business Interruption
  • Commercial Vehicle

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Property and General Liability

These coverages are occasionally offered together in a Business Owner’s Policy (BOP). Small business property insurance protects your business premises from things like theft, fires, and weather damages. It also covers your furniture, equipment, and other physical assets, both on and off the premises. You may be able to reduce your property insurance rates by installing burglar alarms, smoke alarms, or sprinkler systems.

Small business general liability insurance protects your company in lawsuits arising from your operations. If a customer slips and falls in your parking lot, or a child running through a door hits his head, this coverage would settle the claim.

Professional Liability

professional liability

This insurance protects professionals from claims of negligence or bad advice. For medical personnel, this is called malpractice insurance. In the US, it is errors and omissions insurance.

Small business owners should remember that depending on their business structure, all their personal assets might be at stake in a liability lawsuit. Lawsuits can take years to settle. They can bleed a small business of all its assets trying to support the legal fees. If you are giving professional advice of any kind, you must have this insurance.

Worker’s Compensation

You need this coverage if you have employees, depending on the laws of your state. Worker’s compensation protects employees by ensuring medical bills are paid and employees get an income if they are injured on the job.

Some insurers offer discounts to certain professions that have safety training programs in place. Depending on the number of employees you have, you might find safety training to be very cost effective in reducing your rates, claims, and the number of employees’ hours lost to accidents.

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Health, Disability, and Life

These coverages are often offered as benefits, though a business that depends on the talents of a critical employee should carry life insurance on that principal, for the protection of the business. Offering benefits like insurance to employees reduces their stress and increases loyalty.

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Business Interruption

This insurance protects your business from lost revenue when you suffer a property loss that does not allow you to resume operations right away. Depending on your policy, you may have to lose 24-72 hours of operation before this coverage would begin.

Commercial Vehicle

This insurance covers any cars, trucks, or vans you have in your business. Some companies can offer a discount if you carry general business liability coverage on another policy. Installing anti-theft and safety devices may also help lower your rates.

If you are looking for small business vehicle insurance coverage, we have many companies you can compare.

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Choosing Your Small Business Insurance Provider

choosing your small business insurance provider

When comparing prices for business insurance policies, you have to be certain the policies are the same to be sure you are comparing apples to apples. Insurance companies are often free to create their own policy rules and restrictions, as long as they have stated them in the policy.

Make sure the policies you are comparing offer the same deductibles, total payouts, and restrictions. Otherwise, you will need to weigh the difference in price carefully. Is the savings worth the coverage you are giving up?

Customer Service

You will have to consult with your insurer from time to time:

* When you have questions,
* When you need to review your coverage,
* When you have a claim.

You will want to be sure you have chosen a professional organization that can respond quickly to your requests and give you clear advice when needed. If you find an insurance company is unresponsive or vague, that could be a sign you need find another insurer before you have a claim.


Insurers offer many different discounts for things like:

* Profession
* Membership in certain professional organizations
* Training programs
* Certifications

Always ask about discounts to be sure you are getting the best possible rates to compare.

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Getting Started Today

Get started today gathering your initial quotes. Use our convenient tool to compare the rates available for the coverages your business needs. Learn what the policies look like for your location and profession.

Small business owners have a lot to balance when it comes to insurance. They need the best coverage, but they cannot afford to spend too much. You can take advantage of 21 century tools right here on this site and compare small business insurance coverage and rates from several different companies.

Make your policy decisions as informed as possible by getting your quotes today. Enter your zip code to compare quotes and find the best possible rates!