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Business Insurance: How Do You Know If You Need It?

Let licensed insurance agent Taylor Smith walk you through the reasons why you should have business insurance, especially if you work on client or vendor properties.

M-F, 8am-6pm EST

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Spend time on your business, not finding insurance. Simply compare free quotes from top insurers & buy instantly for as low as $20.83/month*.

Need Business Insurance? We Got You.

Get Quotes →

Need Business Insurance? We Got You.

Spend time on your business, not finding insurance. Simply compare free quotes from top insurers & buy instantly for as low as $20.83/month*.

Monday-Friday: 8am-8pm ET

1-855-738-3204

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Small Business Insurance FAQs

It’s common for states to require small business owners to carry business insurance. You’ll also need workers compensation coverage if you have any part-time or full-time employees. It’s also possible that you’ll need proof of insurance to lease a space or work on a vendor's property.

A comprehensive insurance product — one that includes general liability, professional liability, and workers compensation — can cover:

  • Bodily injury

  • Accidents and damages

  • Employee injuries

  • Unintentional mistakes

  • And more

Business insurance policy requirements can differ between states. You don’t necessarily need to know your state’s laws to get started, though. Our quote process takes your location into consideration, and our insurance agents can help you better understand your state’s specific requirements.
Is business insurance required by law?
What does business insurance usually cover?
Does business insurance differ by state?
This policy can cover you in cases of property damage, bodily injury, product liability, and more.

General Liability Insurance

Nobody's perfect. Get coverage for damages and legal costs for mistakes or negligence claims.

Professional Liability Insurance

Protect your business and help take care of employees who get sick or injured on the job.

Workers' Comp Insurance

Protect Your Business 
With These Policies

1-855-738-3204

Monday-Friday: 8am-8pm ET

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Simply Business is an online business insurance brokerage that lets you compare and buy policies from top insurers. We have over a decade of experience in making business insurance clearer, simpler, and easier for our customers.
*Displayed price is an estimate based on the 10th percentile of General Liability policies sold by Simply Business between January-June 2024, divided evenly across a 12 month policy term. Actual price and payment terms, including an initial down payment, may vary based on your state, insurance provider, and business.
© Copyright 2024 Simply Business. All Rights Reserved. Simply Business, LLC is a licensed insurance producer in all U.S. States and the District of Columbia. Please be advised that insurance coverage cannot be added, deleted or otherwise changed until it is confirmed in writing by Simply Business or your insurance carrier. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA 02108, (844) 654-7272. In California, we operate under the name Simply Business Insurance Agency, LLC, License #0M20593. In Colorado, we operate under the name Simply Business, LLC DBA Simply Business Insurance Agency. In New York, we operate under the name Simply Business Insurance Agency. In Pennsylvania, we operate under the name Simply Business Insurance Agency, LLC. In Texas, we operate under the name, U.S. Simply Business, LLC. For more information, please refer to our privacy policy, terms & conditions and privacy notice for CA residents.