Our top recommended
policies Coverages
There's no single small business insurance policy that covers all risks. Different commercial insurance coverages address different accidents, lawsuits, and damages that could impact a business. These policies address common risks.
Coverages
General liability insurance
Coverage for common business risks including bodily injury, customer property damage, and advertising injury. Required for most commercial leases.
BEST FOR
Slip-and-fall accidents
Damaged customer property
Libel or slander lawsuits
Commercial property insurance
This policy covers the value of a business's physical structure and its contents, such as inventory, equipment, and furniture.
BEST FOR
Fire
Theft or vandalism
Windstorms
Business owner's policy
Coverage that bundles property insurance and general liability insurance under one plan. A BOP is often one of the most cost-effective commercial insurance policies.
BEST FOR
Customer injury
Damaged business property
Business interruption incidents
Professional liability insurance
This policy, also called errors and omissions insurance, can help cover legal expenses if a business is sued for unsatisfactory work.
BEST FOR
Professional negligence lawsuits
Project scope disputes
Work mistakes or oversights
Errors and omissions insurance
This policy, sometimes called professional liability insurance, is common with professional services. It can cover legal fees of lawsuits related to work performance.
BEST FOR
Business disputes
Negligence accusations
Work errors
Workers' compensation insurance
Required for businesses with employees in almost every state, workers' comp can help cover medical fees and lost wages for work-related illnesses and injuries.
BEST FOR
Employee medical expenses
Missed wages
Legal costs
Cyber liability insurance
This policy helps businesses survive data breaches and cyberattacks by helping to cover recovery expenses and associated costs.
BEST FOR
Data breach lawsuits
Breach notification expenses
Fraud monitoring costs
We're here to find the best
Business Owners Policy for you.
Why shop just one insurance carrier, when in reality the best policy for you could be through a different carrier? Comparison shopping through Golden Era makes this process simple, fast, and reliable.
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