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Business insurance

Insurance for a business, from a one-person consultancy to a shop with staff. Most small businesses start with a business owner's policy and add what their work needs.

Most businesses start here

Business owner's policy BOPA starter package: property, liability and lost income.
General liability CGLClaims that your business hurt someone or damaged their things.
Commercial property CP, causes of loss formsYour building, equipment and stock.
Business income insurance Business interruptionLost income while you're closed after damage.

Employees and management

Workers' compensation WC / ELEmployees hurt or made ill by their job.
Employment and management liability EPLI, D&O, fiduciaryClaims from employees, and against leaders.

Vehicles, tools and data

Commercial auto Business auto, HNOAVehicles used for business.
Tools, equipment and goods in transit Inland marineBusiness property that moves around.
Cyber insurance Cyber liabilityData breaches, ransomware and online fraud.

Your professional work

Professional liability E&O, malpracticeClaims that your advice or service caused a client a loss.
Commercial umbrella Umbrella, excessExtra liability on top of your business policies.