Business Insurance
Many small businesses combine general liability, professional liability, property coverage, and a business owner’s policy. Needs differ by industry.
General liability
Commercial general liability (CGL) can help with certain third-party bodily injury, property damage, and advertising injury claims tied to business operations. It typically does not cover professional mistakes, employee injuries (workers’ compensation), or auto accidents.
Professional liability
Professional liability — sometimes called errors and omissions (E&O) — addresses claims that you made a mistake in professional services. It is a different insuring agreement from general liability.
BOPs and commercial property
A business owner’s policy (BOP) often packages general liability with commercial property for eligible small businesses. Commercial property can apply to buildings, business personal property, and — with extras — business income. Flood, cyber, and employment practices usually need separate conversations.
Frequently asked questions
Is there a business insurance calculator?
Not in this version. Commercial pricing depends on class code, payroll, receipts, location, and loss history in ways a simple consumer model cannot represent honestly.
Does a BOP replace workers’ compensation?
No. Workers’ compensation is a separate coverage required in most states once you have employees, with limited exceptions.