Business Insurance
Protect your business. Buy business insurance online by comparing affordable business insurance quotes in just 10 minutes with Simply Business.
Small business insurance for what you do
Business insurance usually refers to one or more coverages suited to your type of business. Here are some options we often recommend and how they can help protect your business:
Inland Marine
Financially protect the tools and equipment you use while in transport or on a job site.
Cyber
Provides coverage against claims associated with stolen customer data, cyberattacks, breaches, and fraud.
Business Owner’s Policy (BOP)
General liability, property insurance, and more all in one convenient package.
Errors & Omissions (E&O)
Coverage for claims or damage caused by errors or unintentional omissions from your work.
Business Personal Property
Coverage to replace or repair equipment, furniture, fixtures, and inventory that you own, use, or rent inside your workspace.
Tools & Equipment
Coverage to financially protect the tools and equipment you use while in transport or on a job site.
Sole Proprietors Workers’ Comp
Coverage that can provide workers’ comp benefits if an accident or an injury puts you out of action.
Wondering what coverage you might need?
What’s a Certificate of Insurance (COI)?
A COI can help you land jobs, meet contractual requirements, and more. So, what exactly is a COI? In this video, we cover what information it includes, why it’s important, and how to get yours.
Quick quiz: What’s a COI?
Is it a network crime drama, an obscure sports statistic, a secret government agency, or none of the above?
A COI is a Certificate of Insurance. It’s a document that proves you have insurance and covers key parts of your policy, like your insurance information, the amount of coverage you have, and the policy’s start and end dates.
Because it shows you’re insured, it can help customers feel comfortable working with you, and it also helps you meet requirements for contracts, leases, and local regulations. That’s a lot of heavy lifting for a small piece of paper.
That’s the great thing about working with Simply Business: once you purchase a policy online or over the phone, we can zip your COI right to your inbox.
And if you happen to lose track of it, you can easily download another copy—no hassles, no worries, and no charge. No kidding, that’s just one more way we make it easy to get insured.
We can get you covered quickly and affordably
We’ve helped insure more than 1 million small businesses, worldwide.
Choose from policy options tailored to your business
Get business insurance quotes from trusted carriers in minutes
Shop for coverage and manage your policies online, 24/7
Get expert answers to your insurance questions from licensed agents
Small business insurance FAQs
Why do I need business insurance?
- Third-party accidents, property damage, and bodily injury
- Mistakes or negligence
- Employee illness or injury on the job
- Theft and damage to tools and equipment
What are the benefits of business insurance?
- Often needed to obtain certain licenses, permits, contracts, and meet other legal or trade-specific requirements
- It can help cover costs related to a cyberattack, business property damage, and other unforeseen events
- Clients and customers may ask for a business certificate of insurance before hiring you
- It can provide peace of mind so it’s easier to focus on running your business
How much does business insurance cost?
Premiums are based on several factors, including:
- What your business does
- Where your business is located
- How many employees you have
- Your estimated revenue
Premiums also can vary among insurers, which is why we work with a variety of different providers to help find the coverage and price that works for you.
Business insurance resources
Insuring small businesses is what we do, and we’re happy to share our expertise.
State guides for insurance
Find out what’s required in the state or states where you operate.
Our insurance carriers
We work with top-rated insurers so we can offer you coverage, affordability, and choice.
Business guides and tools
Grow your business while you protect it. Check out these free business and insurance resources.
4-minute read
The Basics of Workers’ Comp
5-minute read
A General Liability Insurance Guide for Small Business
10-minute read