Small business insurance guides
Liability, property, workers' comp and commercial auto in plain English, so you know which policies your business may need and which questions to ask.
Small Business Insurance: The Main Types Explained
A plain-English guide to small business insurance: general liability, BOPs, property, E&O, workers' comp, commercial auto, cyber and umbrella.
Read guide · 9 minGetting started
What small businesses, LLCs and freelancers usually need.
Small Business Insurance: The Main Types Explained
A plain-English guide to small business insurance: general liability, BOPs, property, E&O, workers' comp, commercial auto, cyber and umbrella.
9 min readRead guideWhat Affects the Cost of Small Business Insurance?
See the main factors that drive small business insurance prices, from industry and payroll to claims history and deductibles, and how to prepare for quotes.
6 min readRead guideDoes an LLC Need Business Insurance?
An LLC protects owners from some business debts, but not every risk. Learn what an LLC does and doesn't cover and which policies LLCs often consider.
6 min readRead guideHome-Based Business Insurance
Does homeowners or renters insurance cover a home business? Learn the usual limits, what's excluded, and the endorsement, in-home policy and BOP options.
6 min readRead guideInsurance for Freelancers and Independent Contractors
Which insurance freelancers and independent contractors often consider: professional and general liability, cyber, equipment, and contract requirements.
6 min readRead guideTypes of coverage
Liability, property, workers' comp, cyber and other policies.
General Liability vs. Professional Liability Insurance
General liability covers injuries and property damage you cause; professional liability covers mistakes in your work. Here's how they differ.
7 min readRead guideCommercial Auto Insurance: When Your Business Needs It
Personal car insurance often excludes business use. Learn when you need commercial auto, the rideshare and delivery gaps, and hired and non-owned auto.
8 min readRead guideBusiness Owner's Policy (BOP) Explained
What a business owner's policy covers, who qualifies, what it leaves out, and how to decide between a BOP and separate policies for your small business.
5 min readRead guideWorkers' Compensation Insurance Explained
How workers' compensation works, what it covers, who must carry it, how premiums are set, and how state rules differ, including Texas opt-out rules.
7 min readRead guideCyber Liability Insurance for Small Businesses
Cyber liability insurance helps pay for breach response, lost income and lawsuits after a cyberattack. See what it covers, what it excludes and what to check.
7 min readRead guideCommercial Property Insurance Explained
Commercial property insurance covers your building, equipment and inventory against fire, theft and storms. Learn valuation, coinsurance and gaps.
6 min readRead guideBusiness Interruption Insurance Explained
Business interruption insurance replaces lost income and ongoing expenses after a covered property loss shuts you down. Triggers, waiting periods and limits.
6 min readRead guideProduct Liability Insurance Explained
Product liability insurance protects makers, distributors and sellers when a defective product causes injury or damage. Who needs it and what it covers.
6 min readRead guideCommercial Umbrella Insurance Explained
Commercial umbrella insurance adds liability limits above your general liability, auto and employer's liability policies. See how it works and when it makes sense.
6 min readRead guideEmployment Practices Liability Insurance (EPLI)
EPLI covers claims from employees and applicants, such as discrimination, harassment and wrongful termination. See what it covers, what it excludes and who needs it.
6 min readRead guideDirectors and Officers (D&O) Insurance
D&O insurance protects the people who run a company or nonprofit from claims over management decisions. Learn Side A, B and C coverage and who needs it.
6 min readRead guideInland Marine Insurance for Tools and Equipment
Inland marine insurance covers tools, equipment and goods that move between locations or sit on job sites. See floaters, what is covered and what is excluded.
6 min readRead guideCoverage by business type
Typical coverage for contractors, restaurants and other trades.
Contractor Insurance: What Coverage You Need
Contractors often need general liability, workers' comp, commercial auto and tools coverage. What each policy does and what clients and licenses require.
7 min readRead guideRestaurant Insurance: Key Coverages
Restaurants face fire, food, alcohol and employee risks. See the key coverages, from liquor liability to spoilage, and why a BOP may not fit every restaurant.
6 min readRead guideCleaning Business Insurance
Cleaning businesses typically weigh general liability, workers' comp, janitorial bonding and equipment coverage. See what each covers and what clients may ask for.
6 min readRead guideLandscaping Business Insurance
Landscapers face equipment, vehicle, injury and pesticide risks. See the coverage to consider, from general liability to equipment floaters and applicator rules.
6 min readRead guideFood Truck Insurance: Coverage, Permits and What to Know
Food truck insurance usually combines commercial auto, general liability, equipment and workers' comp coverage. See what each covers and what cities may require.
7 min readRead guideInsurance for Consultants: What Coverage to Consider
Consultants face risks from bad advice, data breaches and client contracts. Learn how professional liability, cyber and general liability fit a consulting business.
6 min readRead guideContracts and certificates
COIs, additional insured status and surety bonds.
Certificate of Insurance (COI) Explained
A certificate of insurance is a one-page summary that proves you have coverage. Learn what a COI shows, how to get one, and what it does not guarantee.
6 min readRead guideAdditional Insured Status Explained
Additional insured status lets another party share protection under your liability policy. See how endorsements work, what they cover, and what to ask your agent.
6 min readRead guideSurety Bonds vs. Insurance: What's the Difference?
A surety bond guarantees your obligations to a third party, while insurance protects you from losses. The three-party structure, bond types and differences.
6 min readRead guide