Types of Business Insurance

General Liability Insurance for Small BusinessesGeneral liability insurance pays for claims that your business hurt someone, damaged their property, or harmed them through advert...Read guide Professional Liability Insurance (Errors & Omissions)Professional liability insurance, also called errors and omissions (E&O), pays for claims that your work, advice or service was wr...Read guide Workers' Compensation Insurance for Small BusinessesWorkers' compensation insurance pays medical bills and part of lost wages when an employee is hurt or gets sick because of work. E...Read guide Business Owner's Policy (BOP)A business owner's policy (BOP) bundles general liability insurance with commercial property insurance, and usually business inter...Read guide Commercial Auto InsuranceCommercial auto insurance covers vehicles your business owns or uses for work, including liability for accidents, damage to your v...Read guide Product Liability InsuranceProduct liability insurance pays for claims that a product you made, sold or distributed injured someone or damaged their property...Read guide Tools and Equipment InsuranceTools and equipment insurance, a type of inland marine coverage, pays to repair or replace tools and gear that you move between jo...Read guide Cyber Liability Insurance for Small BusinessesCyber liability insurance helps pay the costs of data breaches, ransomware and other cyber incidents, including notifying customer...Read guide General Liability vs. Professional Liability InsuranceGeneral liability covers physical risks: injuries to others, damage to their property and advertising injury. Professional liabili...Read guide How Much Does Small Business Insurance Cost?According to Insureon's 2026 data from 100,000 small-business customers, median monthly costs are $45 for general liability, $83 f...Read guide Surety BondsA surety bond is a three-party guarantee: a surety company promises a customer or government agency (the obligee) that your busine...Read guide Commercial Property InsuranceCommercial property insurance pays to repair or replace your business building, equipment, furniture and inventory after covered e...Read guide Commercial Umbrella Insurance for Small BusinessCommercial umbrella insurance adds extra liability limits on top of your general liability, commercial auto and employer's liabili...Read guide Event InsuranceEvent insurance, also called special event or one-day event insurance, covers liability for injuries and property damage during a...Read guide Certificate of Insurance (COI)A certificate of insurance (COI) is a one-page document that proves your business has insurance. It lists your insurer, policy num...Read guide Liquor Liability InsuranceLiquor liability insurance pays for lawsuits when a customer your business served alcohol injures someone or damages property. Bar...Read guide Directors and Officers (D&O) InsuranceDirectors and officers (D&O) insurance protects board members, officers and the organization when they are sued over management de...Read guide