When to start business insurance

Coverage should be active before U open your doors, sign a lease, or take on your first client.

By the InsuranU team Updated July 20262 min read

Business insurance needs to be in place before your business is actually exposed to risk, not after.

Before signing a lease

Many commercial leases require proof of liability insurance before U can even sign.

Workers' compensation typically needs to be active before your first employee starts, depending on your state.

If your work carries liability risk, coverage should be active from day one, not after your first project.

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More from the business insurance checklist.

Legal and contractual requirements to know.

The proof clients and landlords ask for.

See the real ranges, with a live estimator.

Can I get coverage quickly if I need it fast?

Many business policies can be issued within days, sometimes faster.

What if I already signed a lease without insurance?

Get coverage as soon as possible and check your lease for any compliance deadline.

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