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Small business insurance (sometimes called commercial insurance) protects your assets, income, and property from unexpected costs.
These costs could arise from any number of unforeseen events, like workplace injuries, theft, lawsuits, accidents, or natural disasters. Without insurance, these events could have devastating financial effects on your business.
Just like personal insurance, it’s better to have it and not need it than to need it and not have it.
If you own a business, you need small business insurance. Period.
Being properly covered with small business insurance prevents you from paying for unexpected expenses out-of-pocket, allowing you to remain financially stable in case of a claim. Need more convincing?
Commercial insurance can:
As a business owner, you make difficult decisions every day. But deciding if you need insurance shouldn’t be one of them. The Commercial Insurance Center (CIC) makes purchasing insurance easy, seamless, and affordable.
Insurance coverage for carpenters helps protect you, your business, and your dreams against the common risks of doing physical labor in varying locations.
Because caterers operate in different locations, you are exposed to different business risks. Comprehensive small business plans insurance will safeguard your investments, your equipment, and your personnel, wherever you go.
Every day is unique for plumbers and HVAC contractors. That means your risks are unique too. You’ll need a plan that covers potential workplace injuries, property damage, auto accidents, and more exposures.
You experience high levels of physical interaction, and your employees like hair stylists, barbers, nail techs, and aestheticians have various permits, licenses, and skill sets offering a variety of services. A comprehensive insurance plan will mitigate these risks.
Your software or web design consulting business involves complex, interconnected tasks, and there are many issues beyond your control. Having the right small business insurance secures you and your dreams in the event of bugs, crashes, delays, and more – whether they’re your fault or not.
Every year, we work with millions of business owners just like you across the U.S. – from side hustle rideshare drivers, seamstresses, and tree trimmers, to chimney cleaners, hardscapers, landscapers, and everything in between. We help most businesses across most industries find the exact small business insurance they need in just a few minutes.
We’ll find a comprehensive policy that protects every aspect of your unique business in the event of accidents, injuries, or damage. The CIC will connect you with an experienced agent who knows your industry, your location, and your needs.
Let us protect your business. No matter what it is.
Different risks require the protection of different small business insurance policies. There are several factors to consider, like where you do business, the type of business you operate, and your contractual requirements, that will determine which insurance product you need.
While no coverage solution is one-size-fits-all, here are just a few small business insurance products that will protect your company:
The average annual cost of small business insurance varies according to the coverage types you buy. Certain coverage types, like general liability for small business can start around $500/year, while commercial auto and cyber liability start around $1,700/year, respectively.
Here are a few factors that can influence the price:
Most business owners don't know that commercial insurance carriers have preferences for which types of businesses they insure. And these preferences are constantly changing.
Owning a business requires you to wear a lot of hats, but being an insurance agent isn’t one of them. Even selecting the right carrier to provide the small business insurance you need can be challenging and working with the wrong carrier who doesn’t understand your unique situation or set of risks can lead to high premiums or declined applications.
The CIC will connect you to the largest network of insurers, who work with the most trusted national, regional, and specialty carriers, to get you the right coverage for a fair price.
“I responded to an inquiry from a business owner who was struggling to get in touch with anybody who could help insure their life coaching business. I was able to go through the application quickly and get them over to an agent. They were so happy I got them matched!”
“I was able to help reduce stress for the owner of a waste management business by simplifying the process and explaining it as I went. She was much more confident in her [business] insurance journey when we were done.”
“I helped determine what coverage a new catering business was seeking and was able to match them with an agent to fill those needs in approximately five minutes!"