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What Is Covered - Commercial auto insurance protects your assets in several ways: commercial auto insurance helps protect your business if you hurt a person or damage their property. The costs of the accident may be relatively small or run into the millions of dollars, depending on the victim and his or her injuries. The person injured in an auto accident may be a young child, a wage earner, a surgeon, or a homeless person. While not an exhaustive list, to properly protect your business against lawsuits - consider these additional policies that fall under commercial property and/or casualty insurance: Small business insurance needs, costs and coverages are different for each industry and region. South Carolina Small Business Insurance.North Dakota York Small Business Insurance.North Carolina Small Business Insurance.Small Business Insurance Information By StateĬlick on the links below to read state specific small business insurance information, including information on types, coverages, policies, limits and more: For example, a general liability policy with a $1,000,000 limit per claim will cost more than one with a $300,000 limit. Policy Limits - When you buy a policy, you can decide how much coverage you want, and you typically will pay more for higher limits.For example, if your business is located in Calistoga, your business insurance costs may be lower than a similar business located in Los Angeles or San Francisco.

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Location - Your zip code can have a significant impact on your premium.Industry - If you own a white collar business like an accountant, your premiums can be lower than a roofing company, where the potential risks for bodily injury and property damage are higher.So if your small business earns less than $30,000 annually, your premiums may be lower than a larger corporation that earns more than $2,000,000. Gross Sales - The more revenue you have, the higher your premium can be.Experience - A business with more experience can often get lower premiums that newer businesses with less experience.Employees - The more people working for your company typically translates into higher insurance costs.If you raise your deductibles (out-of-pocket costs), your premium will usually decrease.

Deductibles - Like medical insurance, lower deductibles for small business insurance mean higher premiums.

If you have claims on your policy, your premium will typically increase.

Claims History - Similar to auto insurance, more claims can mean higher costs.

What Does Workers Compensation Insurance Cover?įollowing is a list of the main factors that determine the costs of small business insurance:.

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What Does Professional Liability Insurance Cover?.What Does Equipment Breakdown Insurance Cover?.What Does Employment Practices Liability Insurance Cover?.What Does Directors And Officers Liability Insurance Cover?.What Does Cyber Liability Insurance Cover?.What Does Commercial Umbrella Insurance Cover?.What Does Commercial Property Insurance Cover?.What Does Commercial General Liability Insurance Cover?.What Does Commercial Crime Insurance Cover?.What Does A Business Owners Policy Cover?.What Does Business Auto Insurance Cover?.

What Is The National Association of Insurance Commissioners?.

What Does Small Business Insurance Cover & Pay For?.

How Much Does Small Business Insurance Cost?.

What Are The Commercial Insurance Requirements For Small Businesses?.

Small Business Insurance General Information: You can skip to the following types of small business commercial insurance using these links: Learn about small business insurance requirements, costs and coverages including: Commercial General Liability, Commercial Property Insurance, Workers Compensation, Business Owner's Policy (BOP), Errors & Omissions (professional liability), Commercial Auto Insurance and more.īelow are some answers to commonly asked small business commercial insurance questions: Carrying adequate small business insurance to protect your business shouldn't be a question - it's a must if you want to make sure that you don't get put in a position where you have to lose your business or pay money out of pocket to cover expenses associated with a loss.

Having high enough limits in your commercial liability coverage should be a cornerstone of any business plan. Commercial insurance helps protect your business and potentially your personal assets from lawsuits and settlements that can reach into the millions. If you own a small business, this article will help you understand some the of most common policies available.