Business Is Personal.
So Is Insurance.
Get business insurance through a RamseyTrusted® pro who cares about your small business like you do. Plug in your zip code below to connect with a pro who serves your area to get started.
What Is Business Insurance?
Business (or commercial) insurance protects your company from risks like theft, injuries on the job, lawsuits, health care costs, cyberattacks, disasters and other unexpected events. It can help cover or at least offset some of the costs when bad things happen.
Who Are RamseyTrusted Pros?
RamseyTrusted pros are your trusted guides to insurance—vetted experts who have your best interests at heart. They’ll shop the insurance market to find discounts and deals for you at no extra cost, saving you time and money. And when it comes to protecting what matters, they make sure you’ve got the coverage you need—and nothing you don’t.
What Business Insurance Covers
Every business faces different risks—which means your insurance coverage should fit your needs. Here are the most common types of coverage that can help you protect what matters most: your business, your team and your future.
General Liability Insurance
General liability covers things like property damage, legal costs, medical expenses and bodily injury. If you own a business, you need general liability coverage. Period.
Professional Liability Insurance
This is also called errors and omissions insurance. It covers you if you’re in the professional-service industry (think consulting or accounting).
Product Liability Insurance
This protects your business if a product you make, sell or distribute causes harm. If someone gets hurt and sues, it helps cover legal and medical costs.
Business Owner’s Policy (BOP)
This is a great place to start if you own a small business. It’s a bundled policy that usually includes at least general liability and property insurance. It’s also a great way to save!
Commercial Auto Insurance
Commercial auto insurance covers any vehicles you use to operate your business.
Cyber Insurance
It takes care of costs related to data hacks and leaked customer information. Running your business on cloud storage or servers? This is a great way to fight against digital threats.
Workers’ Compensation Insurance
Workers’ compensation coverage protects you if one of your employees gets injured on the job. It covers medical costs or lost wages due to time off.
Commercial Property Insurance
Commercial property insurance is exactly what it sounds like—it protects your physical assets and property. This includes things like tools, inventory in your store, equipment and even furniture.
The Different Types of
Business Insurance
Like people, businesses are unique. Unique needs. Unique industry risks. Unique revenue streams. Unique everything!
That’s why there’s no one-size-fits-all business insurance package. There are a ton of different types of business insurance coverages you can mix and match.
In this article, we’ll go over what’s out there so you can get the coverage you need.
What’s It Like Working With a Pro?
Get Connected
Choose the insurance you’re looking for and match with a RamseyTrusted insurance pro.
Get Quotes
Your pro will give you a call within 24 hours and ask for basic information.
Get Insured
They’ll shop home and auto insurance quotes from multiple carriers to find you the right policy at the best price.
RamseyTrusted connects you with insurance pros who don’t just sell—they serve. These are independent providers who’ve earned our seal by going through a strict vetting process and committing to the same values we teach. You can feel confident knowing we’ve already done the homework so you don’t have to figure insurance out alone.