Protect what you built
Business Insurance for Growing Companies
From liability claims to property damage, business insurance protects your company's finances and future. Here's what to consider and how to compare.
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Business insurance depends on your industry and size. Start with your business ZIP.
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Quick answer
Business insurance is a set of policies — such as general liability, property, and workers’ compensation — that protect a company from lawsuits, property loss, and employee injuries. The right mix depends on your industry, size, and risks, and comparing carriers helps you cover those risks affordably.
Core business insurance policies
Most small businesses build their protection from a few foundational coverages, often bundled together in a business owner’s policy:
- General liability — covers third-party injuries, property damage, and related lawsuits.
- Commercial property — protects your building, inventory, and equipment from covered losses.
- Workers’ compensation — covers medical costs and lost wages for employees injured on the job, and is required in most states.
- Professional liability — protects service businesses against claims of errors or negligence.
How to choose coverage
Start by mapping your biggest risks. A contractor’s exposure differs from a consultant’s or a retailer’s. Match policies to those risks, then set limits that reflect the size of a worst-case claim. If your company owns or uses vehicles, add commercial auto insurance.
Bundling and saving
Many insurers offer a business owner’s policy that bundles liability and property at a lower combined price, and adding other lines with the same carrier can unlock further discounts. Reviewing coverage annually as your business grows keeps you properly protected without overpaying.
Compare business insurance
Business risks and pricing vary widely by industry, so comparing carriers is essential. Start a comparison. Owners protecting their homes and vehicles too can review home insurance and cheap car insurance.
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Frequently asked questions
Requirements vary by state and industry, but workers’ compensation is mandatory for most employers, and commercial auto is required for business-owned vehicles. Some clients and landlords also require general liability.
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- Licensed in all 50 states
- No effect on credit score
- Free comparison
- Compare 120+ carriers