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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


We’re a digital marketplace that enables small business owners to find and buy insurance online and in minutes. We can match you with coverage from multiple top carriers at competitive prices.

Small Business Insurance.

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Hi, we’re 
Simply Business.

You chose a tax expert, why not choose one to protect your business, too? At Simply Business, small business insurance is what we do– we find the right coverage for your business in a matter of minutes.

Monday-Friday: 8am-8pm ET


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Simply Business is pleased to provide tailored insurance coverage from:

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


Monday-Friday: 8am-8pm ET


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.
*Monthly payment calculations (i) do not include initial premium down payment and (ii) may vary by state, insurance provider, and nature of your business. Averages based on January - March 2023 data of 10% of our total policies sold.
© 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.

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