Common small business risks

Every business faces a different mix of risk. Here are the ones that come up most often.

By the InsuranU team Updated July 20264 min read

Understanding your real risks is the first step to buying the right coverage instead of the wrong amount of it.

Liability risks

Employee injuries, which is where workers' compensation comes in, and the liability that comes with having staff at all.

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More from the business insurance checklist.

Legal and contractual requirements to know.

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Do all small businesses face the same risks?

No, risk varies a lot by industry. A consultancy and a contractor have very different exposures.

Where should I start if I am unsure?

General liability is the most common starting point for most small businesses.

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