Tell us about your business and what you're concerned about. A verified commercial insurance professional will explain the types of coverage, which ones your situation points to, and where the gaps usually are.
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Most small businesses start with a few of these. Which ones depend on what you do, who works for you and what you own.
Covers claims that your business caused injury to someone, or damage to their property.
Protects your building, equipment, stock and fixtures against damage such as fire or theft.
Bundles general liability and commercial property for smaller businesses, often priced lower than buying them separately.
Pays for employees' work-related injuries and illness. Required in most states once you have employees, with rules that vary by state.
For businesses that give advice or deliver a service, covering claims of mistakes, omissions or poor advice.
For vehicles used for the business. A personal auto policy often doesn't cover business use. Read about auto insurance.
These aren't part of a basic package. Whether you need them depends on how your business works.
For costs after a data breach or cyberattack, relevant if you hold customer or payment data.
Helps replace lost income and ongoing costs if a covered event forces you to close for a while.
Extra liability protection above the limits of your other policies.
For claims from staff or applicants, such as wrongful termination or discrimination.
For machinery and tools that are expensive to replace, including when they leave your premises.
If you make, sell or distribute products, this covers claims that a product caused harm.
Some kinds of work carry more risk than others, and insurers price accordingly.
More staff and a bigger payroll generally mean higher workers' compensation costs.
A larger business usually carries more liability exposure.
The value of what you own, and where it is, affect property coverage.
Past claims are weighed differently by different insurers.
Higher limits cost more. A higher deductible lowers the price but raises what you pay if you claim.
Work out which coverage is worth having from day one.
Workers' compensation rules may apply once you have staff.
Contracts and leases often require a certificate showing your coverage.
Business use can change what your current policy covers.
New premises, services or staff can leave gaps in an older policy.
A higher bill with no claim is a good moment to compare.
We'd rather connect you with the right provider once than flood your inbox with a dozen you'll never call back.
Your industry, staff, premises and contracts decide what you need, not a generic package.
See what a standard policy leaves out and what you may want to add.
Limits, deductibles and exclusions lined up side by side, so a lower price actually means something.
What your business does and how long you've operated, the number of employees and payroll, annual revenue, your location or locations, any vehicles, your current policies, and any claims in recent years. If you don't have everything, send the request anyway.
It depends on your work, your clients and your contracts. Many clients and landlords ask for proof of insurance, and a professional can explain what's worth having.
In most states it's required once you have employees, but the rules differ by state and by type of business. A professional can explain what applies where you operate.
Often not, or only in limited ways. Check before assuming, especially for vehicles used for work and equipment kept at home.
A bundle that combines general liability and commercial property for smaller businesses, often priced lower than buying them separately. Availability depends on your type of business.
No to both. A verified professional contacts you, not a list of agents, and Namoye is free for you. You're never obliged to buy.
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