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Business insurance is one of the most important choices you’ll make, so you need
a transparent and easy process to make the evaluation and purchase easier.
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Choose from a Variety of Small
Business Insurance Options
Business insurance is coverage that protects your small business from financial damages that can result from accidents, property damage, professional errors, workers compensation claims and other situations. Having accurate coverage is critical in minimizing the negative impact of claims against your business.
General Liability
Most small businesses need this coverage. It guards against things like bodily injury, property damage, completed operations and advertising injury that arise from your business. Sometimes people refer to this coverage as “business insurance”.
Cyber Liability
Protects against electronic threats, such as data breaches and cyber-attacks. Businesses that store or process sensitive data like credit card information or client records should consider this coverage.
Commercial Property
If you own commercial real estate, or simply need to insure the property used to operate your small business, you likely need this coverage. If you own a building, and lease it to a business you need this coverage as well, it’s referred to a lessor’s risk policy.
Commercial Auto
Most small businesses need this coverage. It guards against things like bodily injury, property damage, completed operations and advertising injury that arise from your business. Sometimes people refer to this coverage as “business insurance”.
Workers Compensation
This protects you and your employees. It helps pay for things like medical costs and lost wages of employees who become injured or ill on the job.
Business Owners Policy (BOP)
How does it work?
1. Review Business Risk
2. Create a Protection Strategy
3. Compare Quotes and Proposal
3. Buy Business Insurance
1. Analyse the Target
2. Find Ideas
3. Prototype
4. Test the Concept
Match Your Protection to Your
Business Insurance Needs
- Each business should review thier liability risk. Could your products or work environment put people in harm’s way?
- Do you have employees, and what type of insurance protection do you need for them, or your management?
- Does your business have a driving risk? Will you deliver goods, or drive to perform services? Will you need to hire vehicles?
Frequently Asked Questions
Business insurance isn’t a specific coverage. It’s a term used to describe one or more individual coverages that protect a small business. The range of protection depends on the specific coverages a business carries. For example, “business insurance” can refer to a single coverage, such as general liability, but it can also include many more.
Each business has unique needs, but nearly all should consider general liability. It’s the most common coverage, protecting businesses against a wide variety of situations involving third-party injuries or property damage (e.g. slip and falls, broken windows).
If you or your employees drive for work-related tasks, you’ll probably need commercial auto insurance. Most states require that you carry workers’ compensation if you have employees.
You need it to protect against severe financial loss. Without it, your business could be crippled by a single incident. For example, a customer was injured and you’re legally responsible. Without insurance, the medical bills and legal fees could become impossible to afford. Don’t let this happen to you.
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In 2017, the national average cost of a new 12-month business insurance policy through the Progressive Advantage® Business Program ranged from $50 a month for professional liability to $192 a month for workers’ compensation.
Your rate is based on the specific types of coverage you need, and that depends on the type of work you do and the risk involved. Each business is different, and so is their exposure to risk. Discover the differences in cost among business insurance products and what you can do to secure adequate coverage at a low cost.
ComparisonQuote.com can help you get business insurance in the following states:
- Alabama
- Alaska
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- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
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- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
