A bundle of general liability and property with possible business interruption coverage.

Compare Business Insurance — Quotes, Coverage Types & State Guides

Rules vary by state; some require coverage depending on control tests.

Not typically, but contracts and landlords often require proof of insurance.

General Liability, Workers' Comp, Commercial Auto, Professional Liability and BOP explained in plain English. Independent and ad‑supported.

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Popular Coverage

General Liability
Slip‑and‑fall, property damage, advertising injury. Workers’ Comp
Medical bills and wage replacement after workplace injuries. Professional Liability
Errors & omissions (E&O) for service businesses.

Rules, limits and typical costs vary by state. Start with the largest markets:

California
WC requirements, ABC test, certificate tips. Texas
Non‑subscriber WC, construction liability. Florida
Contractor exemptions, hurricane risks.

New We’re expanding 50‑state coverage. Check back soon.

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Bundle policies
Combine GL + Property into a BOP.

Raise deductibles
Choose a level you can afford to self‑insure.

Manage risk
Safety training, driver checks, contracts with hold‑harmless clauses.

Do I need workers’ comp if I use contractors?

Rules vary. Some states require coverage if you control hours/tools (employee‑like). Always check state definitions and exemptions.

Is general liability required by law?

Not usually, but landlords/clients often require it in contracts. It protects against third‑party bodily injury and property damage claims.

What is a BOP?

A Business Owners Policy bundles general liability with property/business interruption at a discount for qualifying small businesses.