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

Small Business Insurance FAQs

Is business insurance required by law?
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.
What does business insurance usually cover?

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

Does business insurance differ by state?
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.

  • Bodily injury

  • Accidents and damages

  • Employee injuries

  • Unintentional mistakes

  • And more

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.
1-855-479-2384

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This policy can cover you in cases of property damage, bodily injury, product liability, and more.

Learn more about GL insurance

General Liability Insurance

This type of coverage protects your business if a client claims you were negligent in performing your work.

Learn more about PL insurance

Professional Liability

This policy can protect your business if you or your employee made a mistake while providing your services.

Learn more about E&O insurance

Errors & Omission Insurance

Protect Your Business With These Policies

Take a look at some of the coverage you can find with Simply Business.

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You've got better things to do than worrying about legal help and business insurance. Rocket Lawyer is there for your legal services. We’re here for your business insurance. And coverage is just three steps away.

*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.

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Simply Business is proud to partner with Rocket Lawyer to provide you with customized business insurance.

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Need Business Insurance? We Got You.

Spend time on your business, not finding insurance. Get a policy for as low as $20.83/month.*

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.
© Copyright 2025 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, 53 State Street, 19th Floor, Boston, MA 02109, (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.