Coverage that keeps the business running

It responds to third-party claims: someone who does not work for you is injured, or their property is damaged, in connection with your business. It is not the policy that covers your own employees getting hurt, and it is not the one that covers mistakes in professional work. Those are workers' compensation and professional liability.

The two states treat this very differently. California generally requires workers' compensation once you have employees. Texas is unusual in that most private employers are not required to carry it, although going without changes your legal exposure considerably. Which rules apply depends on your entity, payroll and industry, so confirm your own situation with us rather than assuming either way.

A Business Owners Policy bundles general liability and commercial property into one contract and is often an efficient core for a small or mid-sized business. Treat it as a starting point rather than a finished program: vehicles, employees, professional services and cyber exposure are each written separately.

Generally not. Standard property and liability policies were not built for digital loss, so cyber liability is written as its own coverage. It typically addresses breach response, notification costs and the income you lose while systems are down.

It is a one-page proof that your coverage exists, showing the policy types, limits and dates. Contracts, landlords and general contractors commonly require one before work starts. We issue them for our clients, usually the same day you ask.

Mostly your industry classification, payroll and revenue, the limits you choose, and your claims history. Two businesses on the same street can price very differently because of how their operations are classified, which is one of the places an independent review tends to find money.