Small business insurance is sold as a stack of separate coverages rather than as one policy, and the hard part is working out which of them a particular business actually needs. General liability covers what a stranger claims against you; professional liability covers what a client claims about your work; workers compensation usually becomes a requirement the moment you hire someone. The guides below take each coverage on its own terms, explain where a business owner’s policy bundles them together and where it leaves gaps, and set out what actually drives the price.
Independent guides written and edited by a licensed insurance producer in California. Insightful Coverage is a publisher, not an agency, broker or carrier.
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