You need business insurance to protect against severe financial loss. Without it, your business could be crippled by a single incident. For example, a customer was injured and you’re legally responsible. Without insurance, the medical bills and legal fees could become impossible to afford. Don’t let this happen to you.

Each business has unique needs, but nearly all should consider general liability. It’s the most common coverage, protecting businesses against various situations involving third-party injuries or property damage (e.g., slip and falls, broken windows). If you or your employees drive for work-related tasks, you’ll probably need commercial auto insurance. Most states require that you carry workers’ compensation if you have employees.