Business Insurance - Business.com

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.

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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 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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14 Ways to Save Money on Business Insurance

By Kimberlee Leonard | January 15, 2026

Cutting corners on business insurance is inadvisable; however, there are methods to lower insurance premiums without compromising coverage.

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What Is an Insurance Rider?

By Kimberlee Leonard | January 13, 2026

Adding a rider to business insurance helps you reduce costs and better protect against losses.

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What Is a Workers’ Comp Exemption?

By Kimberlee Leonard | January 13, 2026

Workers’ compensation insurance is often legally required and recommended, but some people are exempt from coverage. Learn how a workers’ compensation exemption works.

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Looking for Business Insurance? 10 Questions to Ask a Prospective Broker

By Kimberlee Leonard | January 09, 2026

A small business insurance broker can save you time and money, but only if you find the right person. Here are 10 questions to ask a potential broker.

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What Is Coinsurance in Business?

By Nicole Urbanowicz | January 09, 2026

Coinsurance helps cover property and business assets. Here's how it works.

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What Is Subrogation in Business Insurance?

By Mark Fairlie | January 09, 2026

Subrogation lets an insurance company recover money for insurance claims from a third party. Learn how subrogation works.

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When Is Auto Insurance Tax Deductible?

By Kimberlee Leonard | January 07, 2026

Business expenses allow you to write off certain things on your taxes. Learn what you can deduct from the cost of your work vehicle.

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What Is Errors and Omissions Insurance?

By David Gargaro | January 07, 2026

Errors and omissions insurance protects against lawsuits that disgruntled clients could bring against your business.

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Business Loans: Questions Lenders Ask Potential Borrowers

By Donna Fuscaldo | January 07, 2026

Getting a business loan isn’t always easy, but you can become a better candidate if you prepare.

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How Do Workers’ Compensation Rates Work?

By Kimberlee Leonard | January 06, 2026

Workers' compensation rates stem from various factors, including industry risk, claims history and payroll costs. Here's what you need to know about workers' compensation, and how to keep costs down.

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Everything You Need to Know About 7702 Plans

By Max Freedman | January 05, 2026

Learn what a 7702 account really is, how it differs from retirement accounts and whether it's right for your financial goals.

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