Business Insurance
Business insurance protects your company from lawsuits, property damage, employee injuries, and cyber attacks. The right coverage depends on your industry, size, and risk profile. Many types are legally required.
General Liability (CGL)
The foundation of business insurance. Covers third-party bodily injury, property damage, and advertising injury (libel, slander, copyright infringement). Also includes Products-Completed Operations coverage. Does NOT cover: employee injuries (workers comp), professional errors (E&O), your own proper
Business Owner's Policy (BOP)
Bundles General Liability + Commercial Property + Business Income insurance into one policy at 15-30% savings over buying separately. Designed for small-to-medium businesses. Most insurers offer BOPs to businesses with fewer than 100 employees and under $5M in annual revenue. Covers: third-party inj
Workers' Compensation
Covers employee injuries and illnesses that occur on the job. Pays medical expenses, lost wages (typically 66% of salary), rehabilitation, and death benefits. Required in 49 states — Texas is the only true opt-out state. Penalties for non-compliance can include fines up to $100K and criminal charges
Professional Liability / E&O
Covers claims arising from professional errors, omissions, negligence, or failure to deliver services as promised. Essential for any business that provides advice, services, or expertise. By profession: Medical Malpractice (doctors, nurses), Legal Malpractice (attorneys), Tech E&O (software companie
Cyber Liability Insurance
The fastest-growing commercial insurance line. Covers data breaches, ransomware attacks, business interruption from cyber events, and regulatory fines. First-party coverage: data recovery, notification costs, credit monitoring for affected customers, business income loss, cyber extortion/ransomware
Commercial Auto
Required in most states for business-owned vehicles. Personal auto policies exclude business use. Covers: liability, collision, comprehensive, medical payments, and uninsured motorist for business vehicles. Hired & Non-Owned Auto: Covers liability when employees drive their own cars or rental cars f
Directors & Officers (D&O)
Protects company leaders from personal liability for decisions made while managing the company. Side A: Protects individual directors/officers when the company can't or won't indemnify them. Side B: Reimburses the company when it indemnifies its directors/officers. Side C: Covers the entity itself f