Commercial coverage
Small business insurance.
Most small operations need the same four things. The difference is in the limits and in what gets excluded.
What it covers
The parts worth getting right.
- Commercial general liability
- Contents, stock and equipment
- Business interruption while you cannot trade
- Errors and omissions where advice is part of the service
Commonly missed
Business interruption is the coverage that saves a business and the one most often left off to save a small premium.
Get a QuoteWorth knowing
Business interruption is the coverage that keeps a business alive, and the first one dropped to save a few hundred dollars.
Common questions
Asked most about this.
What limit do I need?
Whatever your contracts, landlord or licensing body demand, and often two million. We read the requirement rather than guessing.
I work from home. Does my home policy cover it?
Almost never. Home policies exclude business activity, so stock, equipment and client visits sit outside them.
More commercial coverage
Also under commercial.
Business liability
The coverage clients ask you to prove.
See coverageFarm insurance
A working farm is a home and a business at once.
See coverageRetail insurance
Stock, the space, and the people in it.
See coverageTransportation and fleet
Trucks, trailers and what is on them.
See coverageCyber security
The claim that arrives by email.
See coverage
Want this priced properly?
Two minutes online, or one phone call.