What business insurance is required by law?

Commonly workers' compensation for employers and auto liability for vehicles. Many other policies are required by contracts, leases, lenders, or licenses rather than by law. A licensed agent can confirm what applies to your business and state.

How much does business insurance cost?

It depends on your industry, location, payroll, revenue, vehicles, property values, limits, and claims history. A licensed agent can give you a quote once they understand your business.

I already have insurance. Why check it?

Businesses change faster than policies do. New vehicles, new kinds of work, more employees, and new contracts can leave a policy describing a business that no longer exists. Checking before renewal is the easiest time to fix that.

Business insurance

What business insurance do you need?

Start with what your business actually does. Each situation below tends to raise a specific insurance question. Use it to prepare for a conversation with a licensed agent, or to check whether your current policies still fit.

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Find your situation

You have employeesWorkers' Compensation Insurance. Most states require workers' compensation for employers.
You drive for work or own business vehiclesCommercial Auto Insurance. Personal auto policies often limit business use.
Customers visit you, or you work at their propertyGeneral Liability Insurance. Leases and contracts usually require it.
You own a building, equipment, or inventoryCommercial Property Insurance. Check how property is valued, and the wind and hail deductible.
You are a small business with a simple operationBusiness Owner's Policy (BOP). A BOP packages liability and property for eligible businesses.
Clients rely on your advice, design, or expertiseProfessional Liability Insurance (E&O). General liability does not cover financial loss from professional mistakes.
You handle customer data, payments, or online bankingCyber Insurance. Most liability and property policies exclude cyber events.

This page is general information about how these policies commonly work. Every policy's own forms, endorsements, and exclusions decide what it covers. For advice about your business, talk with a licensed insurance agent.

Guides for your industry

Local business insurance

Business insurance questions

Know what you're covered for before you need it.

Check your coverage free in about a minute, then talk with a licensed agent about anything you want to change or quote.

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