For Consumers

What to consider before buying business insurance

Depending on the size of your business, you can:

Consider your coverage options

  • Property coverage protects the buildings, inventory and equipment where you operate your business
  • Property coverage protects your inventory and equipment if you lease the building space (the landlord is responsible for covering the building)
  • Liability coverage, if someone gets hurt or property damage occurs
  • Business-interruption coverage, if a loss forces you to close your business
  • Commercial auto coverage on the vehicles you use for your business
  • Umbrella or excess liability policies step in after a large loss and extend your liability coverage, giving you an added layer of protection
  • Employee health insurance for you and any employees
  • Life insurance protects you and/or your business operators