How much does D&O insurance cost for a small business in 2026?
Small businesses often pay about $133 a month for D&O insurance. See costs by industry, what drives the price, what it covers and how to pay less.
Built around your business
Insurance for everything
you’re building.
Business on the road? Explore commercial auto Coverage for your business
Insurance for the work you do.
New authorities & owner-operatorsTrucking insurance
Primary liability, cargo and physical damage for your own authority or small fleet.
Explore For the tradesContractor insuranceLiability, workers’ comp, work trucks and tools for contractors and builders.
Explore Business vehiclesCommercial autoCars, vans and delivery vehicles your business owns, rents or uses for work.
Explore Business propertyCommercial floodClose the flood gap most business property policies leave open.
ExploreFrom the blog
Insurance, explained.
Does business insurance cover flood damage?
Most business property policies and BOPs exclude flood. See what commercial flood insurance covers, its limits, when it’s required and what it costs.
Does business insurance cover stolen tools and equipment?
General liability and auto policies won’t pay for stolen tools. Learn which policy does, what tools coverage costs and how to get a theft claim paid.