Essential Coverage Every Business Needs

General liability insurance, sometimes called business liability insurance, is a business owner’s first line of defense. It covers common risks like customer injuries, property damage, and even advertising-related claims. While it doesn’t cover everything, pairing general liability with more specialized policies creates a reliable safety net for your business.

A Business Owner’s Policy (BOP) bundles property and liability coverage into one simple package. It typically protects against things like business interruption, customer injury, or damage caused by faulty products or operations. Since a BOP doesn’t include auto, workers’ comp, or health insurance, it works best when combined with other policies to provide well-rounded coverage.

 If you have employees, worker’s compensation isn’t optional, it’s required by law. This coverage provides wage replacement and medical benefits if an employee is injured on the job, protecting both your team and your business from costly claims. Failing to carry workers’ comp can result in fines, penalties, or even jail time, making it one of the most critical coverages to have in place. 

Everyday risks, like a slip-and-fall in your store, a product issue, or an employee injury, can lead to unexpected expenses. Standard coverage helps shield your business from these common setbacks, so you’re not derailed by a single incident. It’s the foundation on which every strong business insurance plan is built.