Protecting Your Small Business: Simplified.
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What Types of Insurance Do I Need?
Business insurance usually refers to one or more coverages suited to your type of small business. Here are the foundational insurance policies we most often recommend, and how they can help protect your small business:
General LiabilityFrom $20.75/month*
Workers’ CompFrom $38.91/month*
Business Owner’s Policy From $33.75/month*
Professional LiabilityFrom $25.83/month*
Business Personal PropertyFrom $25.83/month*
Inland MarineFrom $20.83/month‡
Additional CoveragesMore options to protect your business property, employees, and equipment.
Who Needs Small Business Insurance?
Any business that provides professional services, offers a skilled trade, handles customer data, or owns physical business assets should carry business insurance to protect against lawsuits and financial loss.
Handyperson From $41.67/month*
Lawn care services From $29.17/month*
Housekeeping From $20.83/month*
General contractorFrom $68.75/month*
E-commerce & online retailers From $21.58/month*
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.