Small business insurance coverage

8 policies, each for a different kind of risk. Find the ones your business needs, then quote them together.

Type to search, then use the arrow keys and Enter to choose a business type.

Start from what could happen

Each of these is a different policy. Most businesses need two to four of them.

What each policy covers, its usual limit, and the businesses that usually carry it.

Usually carried by this kind of business

Policy	Covers	Common limit	Restaurants	Offices	Contractors	Salons	Auto shops	Retail
Liability
General liability	Customer injuries and damage to others’ property	$1M / $2M	Usually carried	Usually carried	Usually carried	Usually carried	Usually carried	Usually carried
Professional liability	Mistakes in your work or advice	$1M per claim	Not usually	Usually carried	Not usually	Usually carried	Not usually	Not usually
Cyber	Data breaches and recovery costs	Up to $250K	Not usually	Usually carried	Not usually	Not usually	Not usually	Not usually
Property & income
Property	Business equipment, furniture and stock	What you own	Usually carried	Usually carried	Not usually	Usually carried	Not usually	Usually carried
Tools and equipment	Tools on the job and in transit	Up to $50K	Not usually	Not usually	Usually carried	Not usually	Usually carried	Not usually
Business income	Income lost during a covered closure	Up to 12 months	Not usually	Not usually	Not usually	Not usually	Not usually	Usually carried
People & vehicles
Workers’ comp	Work-related injuries and lost wages	Set by state	Usually carried	Not usually	Usually carried	Usually carried	Usually carried	Usually carried
Garagekeepers	Customers’ vehicles in your care	Up to $100K	Not usually	Not usually	Not usually	Not usually	Usually carried	Not usually