Types of small business insurance

Not sure what coverage you need? Here’s a clear breakdown of the main policies small businesses rely on — and what each one actually protects.

General Liability Insurance

Covers third-party bodily injury, property damage, and advertising injury claims — the foundational policy nearly every small business needs.

Also called Errors & Omissions, it covers claims of negligence, mistakes, or failure to deliver professional services as promised.

Pays for medical bills and lost wages when employees are injured on the job. Required in most states once you have employees.

Protects your building, inventory, equipment, and furnishings against fire, theft, vandalism, and many weather events.

Bundles general liability and commercial property into one cost-effective package for many small and mid-sized businesses.

Covers vehicles used for business — liability, collision, and physical damage for company cars, vans, and trucks.

Helps cover the cost of data breaches, ransomware, notification requirements, and recovery for businesses that handle customer data.

Protects businesses that make, distribute, or sell products against claims that a product caused injury or damage.

Covers the repair or replacement of business tools and equipment that are lost, stolen, or damaged — vital for tradespeople.

Required by many states for businesses that serve or sell alcohol; covers claims arising from intoxicated patrons.

Covers damage to customers' vehicles while they are in your care, custody, or control at an auto-service business.

Covers cleanup costs and claims tied to accidental release of pollutants or hazardous chemicals.

Covers injury or damage to clients' property or animals placed in your care — essential for pet and service businesses.

Protects clients against theft or non-performance, often required to win commercial cleaning and service contracts.

Required in many states to commission as a notary; protects the public against errors in notarial acts.

Covers the freight and cargo a trucking business hauls against loss or damage in transit.

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