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What insurance does my business need?
Answer six quick questions and get a tailored checklist: what your state likely requires, what clients and landlords will ask for, and what we would recommend for a business like yours.
Trucks, vans, or cars titled to the business or driven for work.
Office, shop, warehouse, kitchen or retail space.
Card payments, health records, addresses, logins.
Formal board, advisory board with authority, or equity investors.
Anyone doing your work who is not on your payroll.
Designs, consulting, bookkeeping, IT, care plans, inspections.
Likely required by law
Coverage that state statutes generally compel for a business that answered the way you did. Thresholds and exemptions vary, so confirm with a licensed agent.
- Workers' Compensation Insurance
You reported 4 employees. Nearly every state, including California, requires workers' compensation once you have staff on payroll — some from the very first employee, others after a small threshold.
Usually required by contracts or landlords
Not a legal mandate, but the coverage general contractors, clients, lenders and landlords ask to see on a certificate before you can start work or sign a lease.
- General Liability Insurance
General liability is the certificate almost every client, general contractor, landlord and licensing board asks for. It responds to third-party bodily injury and property damage.
- Commercial Property Insurance
Commercial leases typically require you to insure your own improvements, equipment and contents, and to name the landlord as an additional insured. A business owner's policy is often the cheapest way to satisfy that.
- Business Owner's Policy (BOP)
Because you lease space, packaging general liability and property into a business owner's policy usually costs less than buying the two separately.
Recommended for your risk profile
Optional coverage that closes the gaps most often seen in businesses like yours. Worth pricing even if nobody is demanding it yet.
- Cyber Liability Insurance
You store or process customer data. Cyber liability funds breach notification, forensics, ransomware response and the liability that follows a data incident — none of which general liability covers.
Price all 5 lines with one application
We pre-select the coverages from your checklist. One application, shopped to our A-rated carrier network, and a licensed agent presents up to 10 competing quotes — usually within one business day.
General reference, not legal advice. Statutory requirements, employee thresholds, owner exemptions and contract demands vary by state, industry and carrier, and they change. This checklist is educational — a licensed agent and the carrier's underwriter make the final call on what your business must and should carry.
Business insurance questions, answered
Ready to see your options?
One application. Up to 10 competing quotes. Answer a few questions and we will shop your business to our A-rated carrier network, then a licensed agent walks you through the options.