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| Coverage Type | What It Covers | Who Needs It |
|---|---|---|
| General Liability | Third-party injury, property damage | Virtually every business |
| Professional Liability (E&O) | Errors, negligence claims from your services | Consultants, service providers |
| Business Owner's Policy (BOP) | GL + commercial property, bundled | Businesses with a physical location/equipment |
| Workers Compensation | Employee injury/illness on the job | Businesses with employees (required in most states) |
| Cyber Liability | Data breaches, cyber attacks | Any business handling customer data |
Which Coverage Do You Actually Need?
Most businesses start with general liability as a baseline, then add professional liability (if providing services/advice), a BOP (if you have a physical location or equipment), workers comp (if you have employees), and cyber liability (if you handle customer data).
Comparing Quotes Effectively
Request quotes for identical coverage limits and deductibles across providers — differences in coverage terms make direct price comparison misleading if the underlying policies aren't equivalent.
Frequently Asked Questions
Often yes — most businesses need at least general liability, with additional coverage types layered on based on your specific industry, whether you have employees, and whether you handle customer data.
In most states, yes, if you have employees — requirements vary by state and employee count, so confirm your specific state's requirements.