Simple, dependable small‑business insurance
Protect your business from client claims, slip‑and‑falls, and everyday mishaps with General Liability, Professional Liability (E&O), or an all‑in‑one Business Owner’s Policy (BOP). Get instant certificates and contract‑ready wording.
At a glance
- General Liability (GL): bodily injury, property damage, personal/advertising injury
- Professional Liability (E&O): negligence, errors, missed deadlines, bad advice
- BOP bundle: GL + Business Property + Business Interruption (where eligible)
- Certificates of Insurance (COIs) — fast; additional insured & waiver wording available
Coverage and availability vary by carrier and state. Endorsements may be required for certain contracts.
What’s covered (high level)
General Liability
Third‑party injury & property damage (e.g., a visitor slips, your work damages a client’s property). Often includes personal/advertising injury.
Professional Liability (E&O)
Claims of negligence, bad advice, or mistakes in your services (missed deadlines, deliverable errors, wrongful acts).
Business Owner’s Policy (BOP)
Bundles GL with Business Property (equipment, inventory) and may include Business Interruption after covered losses.
Contract‑ready options
Additional Insured, Primary/Non‑Contributory wording, Waiver of Subrogation — available where supported by the carrier.
Not covered: deliberate acts, known prior issues, workers’ comp/auto exposures, or cyber risks (ask about standalone policies).
Which policy do I need?
Choose General Liability when…
- You visit job sites or clients visit you
- Landlords/venues ask for a COI and Additional Insured
- Your contract calls for bodily injury/property damage coverage
Choose a BOP when…
- You also need coverage for your business contents/equipment
- You want one combined policy with potential savings
- Your lease requires GL and property coverage
Choose Professional Liability (E&O) when…
- You provide advice, design, consulting, or creative services
- Your client contracts require E&O or proof of coverage
- You want protection for claims of mistakes or bad outcomes
Certificates & endorsements
- Instant COIs after binding (timing varies by carrier)
- Additional Insured, Waiver of Subrogation, Primary/Non‑Contributory wording available on request
- We’ll help you match the contract checklist
Get an online quote
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Business Insurance — FAQs
What limits should I carry?
Common starting points are $1M per occurrence / $2M aggregate for GL, and $1M+ for E&O. Contract requirements or your risk profile may call for higher limits.
Can I add an Additional Insured?
Yes — when supported by the carrier. We can add Additional Insureds and supply Primary/Non‑Contributory and Waiver of Subrogation wording when required by contract.
What’s the difference between GL and E&O?
GL addresses bodily injury, property damage, and advertising injury. E&O focuses on financial loss from your professional services — errors, omissions, or alleged negligence.
When is a BOP better than standalone GL?
When you also need business property coverage (contents/equipment) and potentially business interruption — a BOP bundles these with GL, often at a favorable price.
How fast can I get a certificate?
COIs are typically available shortly after binding. Timing varies by carrier and rating/binding requirements.
Coverage, eligibility, and discounts vary by carrier and state. This page is general information only and does not modify policy terms. Final coverage is determined by the issued policy and endorsements.