Business Insurance

Business Insurance

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What Risks Should My Business Insurance Cover

Sometimes a landlord will require a business to furnish a certificate of insurance, but when that requirement is relaxed, overlooking business insurance is a mistake a lot of business owners make.  Whether you are starting a new business, or have run a business for years, there are a myriad of insurance needs that need to be addressed frequently in order to protect yourself and your business.

Worker’s compensation insurance is mandatory if you have employees, and is typically provided by the state.  However, as a business grows, or if your needs are more than what the bare bones state plan covers; it makes sense to shop around for better prices for coverage.

Your business property should also be covered.  If you rent, the building itself should be covered by the landlord, but insurance on the personal property inside the building will be your responsibility.  

General liability coverage is the main type of coverage to protect your business from injury claims and property damages.  Also known as Commercial General Liability (CGL) this type of coverage is almost always recommended regardless of what type of business you are in.

Professional liability coverage provides protection against an error or omission in the businesses work.  Some types of businesses are required to carry this type of insurance, but even those that are not will usually sleep better at night knowing they are covered.  After all, even if you operate your business with the utmost care and professionalism, accidents do happen, and this type of coverage helps protect you against those instances.

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Business Insurance Resources

Important: although the information presented on this page was provided by the experienced insurance specialists at, it's use is strictly limited to educational and informational purposes. This information is not to be used in place of the consultation provided by a licensed insurance representative or legal advice of an attorney.