Coverage
Business insurance, explained.
What each policy covers, what it costs, who needs it and what your state requires, so you know what you’re buying.
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By type
Types of business insurance
Commercial autoCars, vans and trucks your business owns, rents or uses for work.TruckingPrimary liability, cargo and physical damage for your own authority or fleet.Commercial floodFlood cover for buildings and contents most property policies leave out.Business owner’s policy (BOP)About $83 a monthFor small businesses with a shop, office or storefront: how a BOP combines general liability, property and business income cover, who qualifies and what it costs.Commercial propertyAbout $108 a monthFor businesses that own or rent a building, shop or office: what a property policy pays for, what it costs and what landlords, lenders and federal flood rules require.Commercial umbrella and excess liabilityAbout $86 a monthFor businesses whose contracts, leases or vehicles call for more than $1 million or $2 million of liability: how umbrella and excess limits work, what they cost and what they leave out.Cyber liabilityAbout $129 a monthFor businesses that store customer data, take payments or move money by email: what a cyber policy pays for, what it costs and the breach notice deadlines it helps you meet.Directors and officers (D&O)About $133 a monthFor startups, private companies and nonprofits with a board, advisors or investors: what D&O pays for, what it costs and why leaders want it before they sign on.Employment practices liability (EPLI)About $257 a monthFor any business with employees: what EPLI pays when a worker or applicant alleges discrimination, harassment, retaliation or wrongful termination, what it excludes, what it costs and which laws cover you.General liabilityAbout $45 a monthFor businesses that serve customers, work on client property or sign leases and contracts: what the policy pays for, what it costs and the minimum limits you may be required to carry.Hired and non-owned auto (HNOA)About $45 a monthFor businesses that rent vehicles or ask employees to run work errands in their own cars: what HNOA liability pays for, what it leaves out, what it costs and when contracts require it.Inland marine (tools and equipment)About $48 a monthFor contractors and other businesses whose tools, equipment or materials travel to jobsites: what an equipment floater covers, what it leaves out, typical premiums and what equipment rental agreements ask for.Motor truck cargoAbout $129 a month ($1,553 a year)For for-hire truckers, owner-operators and movers: what cargo coverage pays when a load is lost or damaged, what it excludes, what it costs and which rules and broker contracts set the limit.Professional liability (E&O)About $88 a monthFor consultants, IT and design firms, accountants, real estate agents and other businesses paid for advice or expertise: what E&O covers, the rules that require it and what it costs.Truck physical damage$1,500–$4,000 a yearFor owner-operators and small fleets who need to protect their own tractors, straight trucks and trailers: what collision and comprehensive pay for, what they cost and who requires them.Workers’ compensationAbout $54 a monthFor businesses with employees, and contractors whose clients demand proof: who must carry workers’ comp in key states, what it pays and what it typically costs.
By state
Requirements in your state
California
Florida
New York
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