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Business Owner's Policy
Coverage to safeguard your business.
Based on the unique nature of your business, you may require extra endorsements or separate policies to ensure complete protection.
- General Liability
- Business Owner Policy
- Worker's Compensation
- Cargo & Property Coverage
Protecting your business
What can impact the price of your commercial insurance?
Frequently asked questions
Have questions about your business insurance?
Is commercial insurance required by law?
Some types, like Workers’ Compensation or Commercial Auto Insurance, may be legally required depending on your state and business operations. It’s important to check local regulations to stay compliant.
What is commercial insurance and why do I need it?
Commercial insurance protects businesses from financial losses due to unexpected events such as property damage, liability claims, or employee-related risks. It helps ensure business continuity and legal compliance.
Can I bundle different coverages into one policy?
Yes, many insurers offer bundled policies like a Business Owner’s Policy (BOP), which combines general liability and property coverage—often at a lower premium than purchasing each separately.
What types of commercial insurance do I need?
Common types include General Liability Insurance, Commercial Property Insurance, Business Owner’s Policy (BOP), Workers’ Compensation, and Commercial Auto Insurance. The right mix depends on your industry, size, and specific risks.
How much does commercial insurance cost?
Costs vary based on factors like business size, location, industry, coverage limits, and claims history. A small business might pay a few hundred dollars per year, while larger operations may spend significantly more.