Business Insurance for Startups


For most businesses, even fledgling ones, business insurance should be considered as essential to their survival as basic utilities—and steady customers. Some types of insurance are required by law. Other coverages may be required by your business associates or investors. But business insurance is really about protecting your employees and your investment in your business.

The Basics of Business Insurance for Startups

These are the primary business insurance coverages you’ll need to consider as a start-up. Some may not apply, or may be less essential, depending on your type of business and how it’s structured:

  • General liability insurance
  • Property insurance
  • Workers’ compensation insurance
  • Commercial auto insurance
  • Commercial flood insurance
  • Commercial umbrella insurance
  • Management and professional liability insurance
  • Business income insurance, also known as business interruption or continuation insurance
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General Liability Insurance for Startups

General liability provides financial protection for your business in the event of lawsuits and claims. These may arise as the result of injuries or property damage connected with your business, or even non-physical acts like slander or libel.

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Property Insurance for Startups

Property insurance covers your business’ physical assets. A wide array of events can fall under this coverage, such as fire, smoke, wind and hail storms, and vandalism. Flood damage is generally not covered.

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Business Owner's Policy: The Best of Both

A business owner’s policy (BOP) bundles general liability and commercial property coverages and is generally the most affordable choice.

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Flood Insurance for Startups

Backed by the federal government, the National Flood Insurance Program covers businesses from financial losses due to property damage caused by flooding.

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