Blog

1. General Liability Insurance (Non-Negotiable)
Think of this as your first line of defense. General liability protects you if:

• A customer slips and falls in your office.

• You accidentally damage a client’s property.

• Someone sues over an injury related to your business.
  
  

2. Commercial Property Insurance
Even if you rent your office, this is key. Property insurance covers:

• Damage from fire, theft, or vandalism.

• Business equipment like computers, furniture, and inventory.

• Repairs or replacement if a covered event occurs.
  
  

3. Business Interruption Insurance
What happens if a fire, storm, or other event forces you to close temporarily? This coverage can:

• Replace lost income.

• Cover operating expenses while your doors are closed.
  
  

4. Workers’ Compensation Insurance
Required in most states, this protects both you and your employees:

• Covers medical bills for work-related injuries.

• Protects you from costly lawsuits.
  
  

5. Commercial Auto Insurance (If You Drive for Business)

Your personal auto policy likely won’t cover business-related accidents. If your business uses vehicles for deliveries, service calls, or transportation, this policy is essential.