Small business insurance that’s easy, and affordable.

 Workers’ compensation insurance covers any injury or illness related to an employee’s job. If a member of your team gets sick or injured because of their work, workers’ comp will pay out for medical expenses and lost wages. 

A Business Owner’s Policy (also known as BOP) is a bundle of important coverages that protects your small business from many kinds of liability and unforeseen circumstances. It includes many additional coverages that you might need—including general liability coverage, business interruption coverage, and business property coverage. 

 General liability insurance covers you and your small business if someone else makes a claim against you for bodily injury, property damage, or advertising injury. 

 A full commercial property insurance policy is actually two coverages. Business property insurance will pay out to rebuild or replace your building if it is ever destroyed or seriously damaged (say, due to vandalism or a natural disaster). Business personal property insurance covers movable property inside your building. 

Business interruption coverage will pay out a financial benefit if your small business ever has to close for a covered reason. It’ll help you pay for payroll or the cost of renting a temporary location while you work hard to get your business operational again. 

Professional liability insurance, also known as errors and omissions insurance, will pay out to cover the cost of a mistake that harms or negatively affects a client during a professional service. It’ll help cover your legal fees (as well as the cost of a lawsuit payout!) if you or your business are sued because of a covered mistake.