Coverage Overview

Every type of business
insurance, explained

From the mandatory to the recommended, here's every major business insurance type — what it covers, who needs it, and how it fits into a complete protection strategy.

Typically required / must-have
Recommended based on business type

General Liability (GL)

Must-Have

Covers bodily injury, property damage, and personal/advertising injury to third parties. Required by most clients and landlords.

Commercial Property

Must-Have

Covers your building, contents, inventory, and equipment against fire, theft, vandalism, and other physical perils.

Workers Compensation

Must-Have

Required in 48 states. Covers medical bills and lost wages for employees injured on the job — no-fault system.

Business Owners Policy (BOP)

Bundles GL + commercial property at a discount. Ideal for small-to-medium businesses that qualify.

Professional Liability (E&O)

For service businesses. Covers claims that your professional advice or work caused a client financial harm.

Commercial Auto

Covers business vehicles — personal auto policies exclude business use. Essential for any vehicle used for work.

Umbrella / Excess Liability

Extra liability limits above your primary policies. Cost-effective way to add $1M–$5M of additional protection.

Not sure what your business needs?

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