Business Insurance articles
In-depth, plain-language articles about business insurance from Why Insurance Me.
Types of business insurance explained
Most businesses build their coverage from a handful of policy types, each addressing a different risk: lawsuits, employee injuries...
Read more →Commercial auto insurance explained
Commercial auto insurance covers vehicles a business owns, leases, or uses for work. Because personal auto policies usually exclud...
Read more →Business owners policy (BOP) explained
A business owners policy, or BOP, bundles several core coverages a small business needs into one package, usually at a lower cost...
Read more →Insurance for an LLC
Forming an LLC can help separate your personal assets from business liabilities, but it does not replace insurance. Lawsuits, empl...
Read more →Workers' compensation insurance explained
Workers' compensation insurance pays medical costs and a portion of lost wages for employees who are injured or become ill because...
Read more →Business interruption insurance explained
Business interruption insurance replaces income your business loses when a covered event forces it to pause operations. It helps c...
Read more →Commercial property insurance explained
Commercial property insurance protects the physical assets a business depends on — its building, equipment, inventory, and furnish...
Read more →Certificate of insurance (COI) explained
A certificate of insurance, or COI, is a short document that proves a business carries specific insurance coverage. Clients, landl...
Read more →Average small business insurance cost: what drives it
Owners often search for an average small business insurance cost, but few figures are less useful, because price depends entirely...
Read more →BOP vs. general liability: which does your business need?
Small business owners often weigh a standalone general liability policy against a business owners policy, or BOP. They overlap, bu...
Read more →What insurance does a small business actually need?
There is no single "business insurance" policy. Most small companies assemble a few coverages based on their risks and obligations...
Read more →General liability vs. professional liability: what is the difference?
These two coverages sound similar but protect against very different claims. Many businesses need both.
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