Business Coverage

Business Insurance Made Easier To Understand

Every business has different risks. Understanding the common types of business insurance can help you ask better questions and think about which areas may apply to your operation.

Common Business Coverage Types

Available coverages depend on the business, insurer, industry, location, eligibility, policy form, and other factors.

General Liability

General liability coverage may help address certain claims involving bodily injury, property damage, and other covered liability exposures arising from business operations.

Commercial Property

Commercial property coverage may help protect certain business property, such as buildings, equipment, furniture, inventory, and other covered assets.

Business Owners Policy

A Business Owners Policy, often called a BOP, may combine certain property and liability coverages into one policy for eligible businesses.

Commercial Auto

Commercial auto insurance may provide coverage for eligible vehicles used for business purposes, subject to the policy's terms and conditions.

Workers' Compensation

Workers' compensation generally addresses certain work-related injuries or illnesses and is subject to applicable state requirements and policy terms.

Additional Coverages

Depending on the business, additional coverage may be available for specific property, equipment, liability exposures, operations, or other risks.

Questions Worth Asking

Business insurance isn't one-size-fits-all. These questions can help identify areas worth discussing.

What does my business actually do? Your industry, services, products, and day-to-day operations can affect the types of risks your business faces.
Do I own or lease business property? Consider buildings, equipment, inventory, tools, furniture, computers, and other business property.
Do customers or members of the public interact with my business? Customer interactions can create liability considerations depending on your operations.
Does my business use vehicles? Vehicles used for business purposes may create different insurance considerations than personal vehicle use.
Do I have employees? Having employees can create additional insurance requirements and considerations depending on your location and circumstances.
What would happen if my business had to temporarily stop operating? Certain businesses may want to explore coverage related to interruptions caused by covered losses.

Have Business Insurance Questions?

Tell me a little about your business and I’ll help you better understand the coverage categories and questions you may want to consider.

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This page is for general educational purposes only and is not a policy, quote, coverage determination, or guarantee of coverage. Insurance products, availability, eligibility, limits, exclusions, terms, and conditions vary. Actual coverage is governed by the applicable policy and insurer.