Business Insurance Coverage Options
There isn’t one insurance policy that fits every business. Some companies may only need general liability, while others may need a combination of liability, property, professional, cyber or specialized coverage.
We’ve partnered with Thimble to make business insurance easier. Get an instant online quote, explore available coverage and purchase your policy online — all from the convenience of your computer or mobile device.
Below are several business insurance options available through our insurance partners.
| Coverage | What It Covers | Coverage Limits / Options | Duration |
|---|---|---|---|
| General Liability | Helps address common third-party liability exposures associated with operating a business. | $1M per occurrence / $1M aggregate; $2M per occurrence / $2M aggregate. Customer Property Protection available up to $5,000. | On-demand, monthly, or annual |
| Business Owners Policy (BOP) | Combines general liability with business property protection for eligible businesses. | General Liability: $300K, $500K or $1M. Building Coverage: $25K–$1M. Business Personal Property: $25K–$500K. | Annual |
| Event Insurance | Designed for qualifying events and event hosts, including events with up to 1,000 attendees. | $1M per occurrence / $1M aggregate; $1M per occurrence / $2M aggregate. Optional liquor liability available. | Event-specific up to 5 days; same-day coverage |
| Professional Liability | Designed for certain professional services and liability exposures arising from professional work. | $1M per occurrence / $1M aggregate; $2M per occurrence / $2M aggregate. | On-demand, monthly, or annual |
| Inland Marine | Coverage for qualifying business property and equipment that may need protection away from a traditional business location. | Coverage varies based on the business and eligibility. | Varies |
| Cyber Insurance | Designed for qualifying businesses facing certain cyber-related risks. | Coverage varies based on the business and eligibility. | Varies |
| Surety Bonds | Bonding solutions for businesses that need to meet contractual, licensing or other bonding requirements. | Availability and requirements vary by bond type and business. | Varies |
Which Business Insurance Do You Need?
The right combination of coverage depends heavily on what your business does.
For example, a contractor may have different insurance needs than a consultant, retail business, event organizer or professional service provider. A business that owns equipment or property may also have different coverage considerations than a home-based business.
Some businesses may need general liability as a foundation, while others may benefit from additional protection such as a Business Owners Policy, professional liability, cyber insurance or inland marine coverage.
Businesses hosting events may need event-specific coverage, while certain businesses and contractors may need surety bonds to satisfy contractual or licensing requirements. The best place to start is by identifying the risks associated with your particular business and then reviewing the coverage options available to you.
Explore Your Business Insurance Options
Want to see what coverage may be available for your business?
QuoteQuick.net connects consumers with insurance resources and participating insurance partners. Clicking the button above will take you to our business insurance quoting partner, where you can review available options and obtain a quote.
Coverage Disclaimer
Insurance coverage, limits, deductibles, eligibility, pricing and policy terms vary by state, business type, industry, underwriting requirements and insurance provider. The information on this page is provided for general educational purposes and is not an insurance policy, binder, contract or guarantee of coverage. Coverage is subject to the terms, conditions, exclusions and limitations of the applicable policy.
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