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Most small businesses need at minimum Commercial General Liability, which covers third-party bodily injury and property damage claims. Businesses with a physical location should add Commercial Property coverage. If you have employees, Workers' Compensation is required in nearly every state. A Business Owners Policy (BOP) bundles General Liability and Property together at a discount and is the most popular starting point for small businesses.

Commercial insurance costs vary based on your industry, business size, annual revenue, location, claims history, and the coverages selected. A small low-risk business may pay $500–$1,500 per year for General Liability alone, while a Business Owners Policy typically runs $1,000–$3,000 annually. Higher-risk industries like construction or trucking pay more. The best way to find your rate is to request a custom quote.

A BOP is a bundled commercial insurance policy that combines Commercial General Liability and Commercial Property into one package — typically at a lower cost than buying each coverage separately. BOPs are designed for small to medium-sized businesses and often include business interruption coverage. It's the most popular commercial policy type for businesses with under 100 employees and moderate annual revenue.

Workers' Compensation requirements vary by state, but in nearly every state it becomes mandatory as soon as you have one or more employees. Even in states where it's not legally required for small employers (such as Texas), most experts strongly recommend it — without coverage, an injured employee can sue you directly and you lose certain legal defenses. Your specialist will confirm requirements for your state.

Commercial General Liability (CGL) covers third-party bodily injury (e.g., a customer slipping at your location), third-party property damage caused by your operations or products, and personal and advertising injury claims. It pays for legal defense costs and settlements or judgments up to your policy limits. CGL does not cover employee injuries (Workers' Comp), damage to your own property (Commercial Property), or professional errors (E&O).

Personal auto policies typically exclude or restrict business use. If you regularly use your personal vehicle for business purposes — meeting clients, making deliveries, transporting equipment — you need a commercial auto policy or Hired and Non-Owned Auto (HNOA) coverage. HNOA fills the gap when employees use personal vehicles for company errands. Without proper coverage, an accident during business use may not be covered at all.

Professional Liability — also called Errors and Omissions (E&O) — covers claims arising from professional services, advice, or recommendations. It protects against allegations of negligence, mistakes, missed deadlines, or failure to deliver promised work. Essential for consultants, accountants, architects, real estate agents, IT professionals, and other service-based businesses. General Liability does not cover these professional service claims.

A Commercial Umbrella policy provides additional liability protection above your underlying General Liability, Auto, and Employer's Liability limits. If a claim or judgment exceeds your standard policy limits, the umbrella picks up the difference — often providing $1M to $10M in extra coverage. Umbrellas are common for businesses with significant assets, customer-facing operations, vehicle fleets, or contracts that require higher liability limits.