What is the best insurance for small business owners?

The best insurance for small business owners depends on how the business operates. Most businesses start with general liability insurance to protect against common claims like property damage or customer injuries. Many owners also choose a Business Owner’s Policy (BOP) because it combines liability coverage with property protection at a lower cost than separate policies. Businesses with employees may need workers’ compensation insurance, while service-based businesses often benefit from professional liability insurance.

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.