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Business Insurance

Every business faces risk, but you can minimize the potential consequences by purchasing the right insurance policies. From general liability insurance to workers' compensation, our insurance guides explain coverage types, exclusions, rates and everything you need to know to protect your business.

person signing a contract
Article
Business Insurance Guide
By David Gargaro | October 23, 2026
Learn how business insurance can protect your company, what types of coverage are available and how to choose the right policy for your needs.
Article
Business Owners’ Guide to Workers’ Compensation
By David Gargaro | October 07, 2026
Workers' compensation insurance is a key policy most businesses are required to have.
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Things to Keep in Mind When Choosing Business Insurance
By Sean Peek | October 07, 2026
Choosing an insurance policy for your company or employees is a major step, and not one to take casually.
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What Is Tail Insurance in Business?
By Kimberlee Leonard | October 07, 2026
You can't predict when a business insurance claim will arise. Tail coverage offers essential protection for incidents that occur during a coverage period.
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What Is a Surety Bond?
By Mark Fairlie | October 07, 2026
Surety bonds act as legally enforceable guarantees that help small business owners secure third-party contracts. Learn how they work.
accountant
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Specialty Insurance Basics
By Mark Fairlie | October 07, 2026
Businesses need specialty insurance for items not covered by ordinary homeowners or automobile insurance.
mentor consulting an intern
Article
What Is Risk in Business Insurance?
By Mark Fairlie | October 07, 2026
Insurance risk is the probability of an adverse event that causes an insurance claim. Learn how business insurance risk is assessed and how to lower it.
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What Is Professional Negligence?
By Kimberlee Leonard | October 07, 2026
Some professionals are vulnerable to lawsuits when mistakes occur, even unintentionally.
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What Is a Business Owner’s Insurance Policy?
By Max Freedman | October 07, 2026
A business owner's policy offers the coverage of liability insurance and property insurance in one package.
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Why Your Business Needs Indemnity Insurance
By Mark Fairlie | October 07, 2026
While indemnity insurance isn't a specific policy type, it does play a critical role in the types of insurance your business needs.
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What Is General Liability Insurance?
By David Gargaro | October 06, 2026
If a customer is hurt on your premises, they can sue you. But general liability insurance can protect your business.
Article
Insurance Deductions and Expenses for Small Businesses
By Nicole Urbanowicz | October 06, 2026
Stop paying too much in taxes. Be sure to take all the deductions possible for your business insurance expenses.
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What Are Insurance Endorsements?
By Nicole Urbanowicz | October 06, 2026
Effectively mitigate business risk by understanding different types of insurance endorsements and how to use them.
Article
Understanding Data Breach vs. Cyber Liability Insurance
By Kimberlee Leonard | October 06, 2026
Cyber and data breach insurance cover data breach costs, but cyber adds more protection. Learn how to choose the right insurance for your business.
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What Is Cyber Insurance?
By Sean Peek | October 06, 2026
Protect your business’s reputation and bottom line with insurance that helps you navigate a data breach or cyberattack.
Article
What Is Commercial Property Insurance? A Complete Guide to Insurance on Commercial Building
By Mark Fairlie | October 06, 2026
Commercial property insurance covers the building and items that you own or lease against threats such as fire, explosions, theft and vandalism.
Article
Commercial Car Insurance Laws by State
By Mark Fairlie | October 06, 2026
What are your state’s requirements for commercial auto insurance coverage? Learn what you and your business need to do to avoid penalties.
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How Do Commercial Car Insurance Deductibles Work?
By Kimberlee Leonard | October 06, 2026
Commercial car insurance deductibles work just like personal auto insurance deductibles. Learn about collision and comprehensive claims deductibles.
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Article
Average Commercial Car Insurance Costs
By Kimberlee Leonard | October 06, 2026
Choose the right coverage to protect your business.
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Accounting
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What Is a Loss Payee on an Insurance Claim?
By Nicole Urbanowicz | July 07, 2026
A loss payee gets paid first following an insurance claim.
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How Much Does Insurance Cost for a Small Business?
By Kimberlee Leonard | June 23, 2026
Insurance is vital for small businesses to protect against risks, and costs vary based on factors, such as industry and coverage needs.
mentor consulting an intern
Article
Excess Liability Insurance Explained
By Kimberlee Leonard | May 04, 2026
Learn how excess liability insurance works, what it covers, how it differs from umbrella policies and how to tell if your business needs it.
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Workers’ Comp Insurance: How Much Do You Need?
By Max Freedman | February 26, 2026
Determining the right level of workers' compensation coverage is a balancing act. Too much coverage can strain your budget, while too little leaves your business exposed to serious liability.
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How Does a Workers’ Comp Settlement Work?
By Kimberlee Leonard | February 20, 2026
The settlement process will depend on various factors, including your state.
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What Is Commercial Umbrella Insurance?
By Jennifer Dublino | January 22, 2026
Learn what umbrella insurance covers and how to decide if you need it.
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What Is a Workers’ Comp Ghost Insurance Policy?
By Nicole Urbanowicz | January 20, 2026
You might need insurance coverage for workers’ compensation. Here’s when you should consider a ghost policy option.
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What Is Commercial Liability Auto Insurance?
By Kimberlee Leonard | January 15, 2026
Commercial auto liability insurance protects a business against the costly outcomes of at-fault accidents involving company vehicles.
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Workers’ Compensation Claim Process Guide
By Max Freedman | January 15, 2026
Learn the steps employees must take to receive insurance benefits after a work-related illness or injury.
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Employment Practices Liability Insurance: Why Small Businesses Need EPLI
By Jamie Johnson | January 15, 2026
EPLI protects your business from lawsuits brought by past or current employees. Learn how EPLI works and why your business needs it.