Best Small Business Insurance

 

To find the best coverage, you’ll want to compare quotes from multiple insurance companies. To get started, get a quote from us today. We can help you find the right small business insurance that can help ensure you don’t lose everything if a disaster strikes.

 

For example, you could lose your business property and equipment if a fire breaks out. Or, you may have to close if you can’t afford to cover a customer’s medical bills after they slip and fall while inside your location.

 

We offer multiple types of business insurance to help protect small businesses from claims that could shut you down.

 

There’s not a one-size-fits-all small business insurance policy. Every business is different and has unique needs. You can customize your coverages to create the best small business insurance policy for you.

 

Many small business owners start with a Business Owner’s Policy (BOP) for basic coverage including general liability insurance. It combines three essential coverages that help protect your small business from claims of bodily injury or property damage. With a BOP, you’ll get: 

• General liability insurance
• Commercial property insurance
• Business income insurance

• Workers’ compensation insurance
• Professional liability insurance (also known as errors and omissions insurance)
• Commercial auto insurance

How Much Does Small Business Insurance Cost?

• Types of coverage
• Claims history
• Location
• Industry

How Do I Know if I need Small Business Insurance?

Getting the Best Small Business Liability Insurance for Your Company

For Technology Businesses

• Professional liability insurance to help protect business owners from errors, mistakes or omissions in services provided to customers. You can add this coverage to a Business Owner’s Policy or purchase it as a standalone policy.
• General liability insurance to help cover claims that a technology business hurt somebody or damaged someone else’s property.
• Data breach insurance to help respond to a breach if personally identifiable information is stolen. Some insurers call this coverage cyber liability insurance.

For Pet Groomers

• Animal bailee coverage, which helps protect animals in the care of a groomer. If an animal gets hurt or lost, this coverage can help pay for veterinary bills or advertising costs.
• Animal damage to buildings coverage to help protect buildings or business property. So, if a dog escapes from their leash and chews up a chair, this coverage can help pay for the damages.
• Pet groomer professional liability insurance, which helps cover legal costs or judgments and settlements if a client sues a groomer for a mistake or omission in services.

For Accountants

• Electronic data and interruption of computer operations, which can help pay to repair or replace a firm’s computers, data or software if they’re damaged from a virus or power failure.
• Valuable papers and records coverage to help recreate important paperwork if they’re damaged. This includes ledgers, financial statements or employee and client files.
• Accountants professional liability insurance to help protect a firm from lawsuits related to mistakes or omissions in the services given.

For Videographers

• Professional liability insurance to help cover legal costs if a client sues them for a mistake or omission in the services given.
• Scheduled camera equipment coverage to help pay repair or replacement costs for equipment. This coverage applies to equipment wherever it is in the world.
• Commercial auto insurance to help protect them and their team on the road if they drive for business. This can help cover property damage and injuries from an at-fault accident.

For Home Inspectors

• Business income for essential personnel to help replace lost income if a home inspector has to miss at least a month of work. Be aware that this insurance is only available for home inspection businesses with employees and coverage doesn’t apply to the business owner.
• Lost keys coverage to help pay for new locks if an inspector misplaces a set of keys.
• Contractor’s tools coverage, which helps protect equipment worth less than $500. It can help pay for repair or replacement costs if the tools get damaged.
• Professional liability for home inspectors, also known as errors and omissions (E&O) insurance, helps cover legal defense costs if a customer sues you for a mistake your business made on the job.

For Caterers

• Perishable goods in transit to help cover losses from food getting spoiled while in transit.
• Liquor liability insurance to help cover claims that a caterer caused an injury from selling, serving or furnishing alcohol.
• Business income for food contamination to replace lost income if a governmental authority shuts down the business after a food poisoning case. It can also help cover extra expenses.

Best Small Business Insurance Companies