Protect your small business from costly mistakes, lawsuits, and interruptions.
Don’t let one accident, claim, or disaster wipe out your business. Small business insurance helps you stay protected, compliant, and ready for whatever comes your way.
How does small business insurance work?
Running a small business means juggling a lot: customers, employees, assets, contracts, and more. Managing risk often gets pushed to the back burner. Small business insurance steps in to help safeguard against common exposures: customer slip and fall, stolen equipment, contract disputes or business interruptions that can be costly or force you to pause operations. With coverage in place, you’re combining insurance and your business strategy so you can stay focused on what you do best.
How common business insurance claims could affect you:
Unfortunately, the “unexpected” happens more frequently than we’d like. Having the right insurance can help alleviate the incredible financial burden of a claim.
Types of insurance you may need
If we all had crystal balls, we’d never need insurance. But we don’t. And sometimes, bad things happen to good people.
With the right commercial property insurance, the bad can be managed so that it doesn’t destroy your business.
General Liability Insurance
Protects your business from the most common claims such as customer injuries, property damage, or advertising mistakes. It’s often required in contracts or by landlords before you can start work.
Commercial Property Insurance
Covers the buildings, equipment, inventory, and furnishings your business relies on if they’re damaged by fire, theft, or other covered events.
Workers’ Compensation Insurance
Required in most states, this coverage pays for employee injuries or illnesses that occur on the job and protects your business from related lawsuits.
Commercial Auto Insurance
Covers vehicles your business owns or uses for work. It protects against accidents, property damage, and injuries that occur while driving for business purposes.
Professional Liability (Errors & Omissions) Insurance
If your business provides professional services or advice, this coverage protects you from claims that your mistakes or negligence caused a client financial harm.
Cyber Liability Insurance
Even small businesses are targets for cyberattacks. This coverage helps with costs related to data breaches, ransomware, and other cyber incidents, including legal fees and notification requirements.
Umbrella Liability Insurance
Provides an extra layer of protection by extending the limits of your other liability policies. Ideal for businesses that work on larger contracts or face higher lawsuit risks.
Employment Practices Liability Insurance (EPLI)
Protects your business if an employee sues for discrimination, wrongful termination, harassment, or other employment-related issues.
Inland Marine/Equipment Coverage
Covers tools, equipment, or materials that move from job to job—like contractors’ gear, cameras, or laptops.
Got small business insurance questions? We’ve got answers.
Do I really need business insurance if my business is small?
Yes. Even small businesses face risks that can lead to expensive claims—like customer injuries, property damage, or lawsuits. Having insurance protects your finances and helps you meet contract and lease requirements so you can operate with confidence.
What kind of insurance do small businesses usually need?
Most small businesses start with a business owners policy (BOP), which combines general liability and property insurance. From there, you might need other coverages depending on what you do -- like workers’ compensation for employees, professional liability for service providers, or cyber coverage if you handle customer data.
How much does small business insurance cost?
Costs will vary based on your industry, size, coverage limits, and claims history. Some small business policies start at just a few hundred dollars per year, but the best way to find out is to get a custom quote based on your specific risks and needs.
Can I bundle multiple policies to save money?
Yes! Many carriers offer bundle options, like a Business Owners Policy (BOP), that combine property and liability coverage for a lower rate than buying each separately. Your agent can help identify the best combination for your business and budget.
Do I need business insurance if I work from home?
Most likely. Homeowners insurance usually won’t cover business-related losses or liability. If you run your business from home, you may need a home-based business endorsement or a standalone small business policy to protect your equipment and operations.
Simplifying small business insurance insurance … one blog at a time
Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.
Our clients are like family. See what they are saying…
“[Berry Insurance’s] knowledge of property and casualty and workers’ compensation insurance gave me confidence that I have appropriate levels of coverage for [my business].”
Kurtis J., A Massachusetts School District
Keep your small business secured with the right insurance
Get the tailored coverage your business needs. Fill out the form and one of our commercial specialists will reach out to walk you through your options—no jargon, just clear guidance.