What types of insurance does my business need?

Here is a map to help you visualize the world of business insurance for small businesses, freelancers, solopreneurs, and microbusinesses.

We want to help you carve your own path, so take a moment and explore.

cityscapedog with mapcityscapedog with map
dotted map linegeneral liability sign post

General Liability

This is where every business should start. General liability protects against the most common risks a business will encounter.
Learn More
dotted map linebop sign post

Business Owner’s Policy (BOP)

Rent or own buildings, inventory, equipment, furniture, or fixtures? Then BOP instead of general liability may be the way for you. BOPs provide general liability coverage and property protection.
Learn More
dotted map lineProfessional liability sign post

Professional Liability

Consider adding this coverage if your expertise and skill is your business. Professional advisors, creatives, consultants, health and beauty professionals, occupational and allied health, and technology-focused businesses are a great fit for this coverage.
Learn More

Now that you’ve considered your foundational insurance products, let’s explore further afield.

post with cyber symbol

Cyber and Data Breach

Do you retain personal, sensitive, or confidential information about your clients and customers? Do you participate in e-commerce or provide digital solutions to your clients and customers? If so, consider cyber protection. It is an often-overlooked and an underestimated risk to independent businesses.

Learn More
post with workers symbol

Workers’ Compensation

Workers’ compensation provides benefits to your employees who are injured or fall ill due to their employment.

Though typically required by law, many small businesses are exempt from providing this coverage due to their size. But you may still be able to purchase workers’ compensation coverage for your employees.

Learn More
post with employment sign

Employment Practice Liability

Consider this coverage if you have employees. Employment practice liability coverage provides protections against the risks of employing others. Think of: wrongful termination, mismanagement of benefits, or wrongful discipline.

Learn More
post with car

Commercial Auto

If you own, rent, or hire vehicles to operate your business, or use employees' vehicles, then you should consider commercial auto insurance! Commercial use of your personal automobile is not covered by a typical auto policy and you may be at risk.

Learn More

We’ll help you find the right business product for you.

Get Covered
Dog with iPad
You can also take a look at our insurance informational pages, Insurance FAQs, and blog, The Gildfitter, to get a feel for each of these insurance coverages.

Access helpful business resources for free

The content provided on this site is solely informational and does not replace legal, professional, or regulatory advice.