Business insurance needs vary enormously by industry, size, and risk profile, which makes it one of the more confusing categories to shop for without a clear framework. A solo consultant and a restaurant with 20 employees have almost nothing in common in terms of what coverage actually matters.
The starting point for almost any business is general liability insurance, which covers third-party injury and property damage claims. From there, coverage needs branch out significantly based on what the business actually does — professional services need errors & omissions coverage, physical locations need property coverage, and any business with employees needs workers' compensation in most states.
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3 in-depth guides in Business Insurance
Types of Business Insurance Every Company Should Consider
From general liability to workers' comp — what applies to which kind of business.
Read guideGeneral Liability vs. Professional Liability Insurance: What's the Difference?
Two commonly confused policies that cover genuinely different types of claims.
Read guideHow Much Does Business Insurance Actually Cost?
What drives pricing across general liability, professional liability, and workers' comp.
Read guide