Coverage Guide
Business Insurance Guide
How to choose the right business insurance.
1
Identify Your Business Risks
Assess what could go wrong: customer injuries, employee accidents, property damage, professional errors, or cyber attacks.
2
Determine Legal Requirements
Workers comp is required in most states if you have employees. Some industries require additional coverage.
3
Match Coverage to Your Business Type
Sole proprietors, LLCs, and corporations have different liability exposures. Match coverage to your structure.
4
Compare Quotes from Multiple Insurers
Get quotes from at least 3-5 insurers. Compare coverage limits, deductibles, and exclusions - not just price.
5
Review and Update Annually
As your business grows, your insurance needs change. Review coverage annually or when major changes occur.
Essential Coverages
General Liability
Business Owner Policy (BOP)
Workers Compensation
Professional Liability
Commercial Property
Cyber Liability