Cover the business you've built

It's an umbrella term for the policies a business combines to manage its risks — covering property damage, liability lawsuits, lost income, employee injuries and more. Most companies build a program from several coverages rather than one policy.

General liability responds to third-party claims that your business caused bodily injury, damaged someone's property or committed certain advertising harms. It typically covers legal defence costs and settlements up to your policy limits.

In most states you're required to carry workers' compensation once you have employees, though the exact rules vary by state and industry. It covers medical costs and lost wages when a worker is injured on the job.

A BOP bundles general liability and commercial property into one package, often at a lower cost than buying them separately. It's a common starting point that many businesses then extend with additional coverages.

It varies widely with your industry, size, location, coverage choices and claims history, so there's no single price. Comparing tailored quotes is the best way to see what a program may cost for your business.

Yes. Once your coverage is bound, a certificate of insurance can usually be issued fast, so you can provide proof to clients, landlords or partners when they request it.