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For most small businesses, insurance is less a question of "if" and more a question of which coverages actually fit your specific risk.
A customer injury, a lawsuit, a fire or a theft can each be financially devastating for a small business without the right coverage in place.
What is often at stake without it
Beyond the direct cost of a claim, many landlords, lenders and clients simply will not do business with U without proof of coverage.
- A customer injury claim without general liability could come directly out of your business assets
- Many commercial leases legally require liability coverage before you can even sign
- Workers' compensation is legally required in most states once you have employees
General liability vs a full Business Owner's Policy
General liability alone covers the essentials. A Business Owner's Policy bundles liability and property coverage, often for less than buying each separately.
| Coverage level | Typical monthly cost | Best for |
|---|---|---|
| General liability only | $40–$100 | Very small or low-risk businesses |
| Business Owner's Policy | $60–$200 | Most small businesses with a physical location |
| Multiple specialized policies | $200–$500+ | Higher-risk or larger businesses |
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See what U would actually pay
Compare real quotes from top providers in about two minutes. Free, no jargon.
How to decide what U actually need
Start with anything legally or contractually required, then layer in coverage that matches your specific industry risk, rather than assuming a generic policy covers everything.
