Most small businesses start with four core types of coverage:
- General liability insurance protects against third-party injuries, property damage, and legal claims
- Commercial property insurance covers buildings, equipment, and inventory from damage or loss
- Workers’ compensation insurance helps cover employee injuries and lost wages
- Professional liability insurance protects against claims of errors, omissions, or negligence
These policies form the foundation of a strong business insurance plan and can be adjusted based on your industry and risk level.
