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Coverage built around the business you actually run.
Small Business
Small business insurance isn't one policy — it's a stack. A Business Owners Policy (BOP) bundles general liability and commercial property; from there you layer professional liability, cyber, workers' compensation, or commercial auto based on what your business actually does. We help you sort the must-haves from the marketing.
Who it’s for
LLCs, sole proprietors, contractors, consultants, retailers, restaurants, online sellers, and any business with revenue exposure, employees, or a physical location.
What it covers
The protection lines that make up the policy.
General Liability
Third-party bodily injury, property damage, and advertising injury claims. The foundation policy almost every business needs.
Commercial Property
Buildings, inventory, equipment, signage, and outdoor property. Coverage extends to a leased space if you don’t own the building.
Business Income / Interruption
Revenue replacement and continuing expenses when a covered loss shuts you down. Often the most valuable line on a small-business policy.
Professional Liability (E&O)
Mistakes, omissions, and missed deadlines in service businesses. Required by many client contracts in consulting, design, IT, and finance.
Cyber Liability
Data-breach response, ransomware recovery, regulatory penalties, and customer notification costs. Increasingly relevant for any business that handles payment or personal data.
Workers' Compensation
Required in most states once you have employees. Rules vary significantly state-by-state — including whether sole proprietors must carry it.
Common questions
The conversations our agents have every day.
- Do I need a BOP or separate policies?
- For most service and small-retail businesses, a BOP is cheaper and tidier. Larger or specialty risks — manufacturing, tech, healthcare — often need standalone policies to get adequate limits and the right endorsements.
- Is workers' comp required if I'm a solo owner?
- It depends on your state and entity type. Many states exempt sole proprietors with no employees; some require coverage as soon as you hire one (even part-time). An agent in your state can walk through the specific rules.
- What does my client contract actually require?
- Most B2B contracts spell out minimum limits for general liability, professional liability, and sometimes cyber. Send the contract to your agent — they’ll match the policy to the language.
Nationwide coverage
Available in all 50 states.
Insurance rules — required minimums, no-fault status, workers' comp thresholds — vary state-by-state. The licensed agents in our network are matched to your state so the quote and the advice both follow the rules where you actually live.
From a one-person consulting practice to a multi-employee shop, we'll connect you with an agent who scopes coverage to what you actually do — not a generic small-business template.
Often paired with
