Starting a small business? The insurance checklist

Start with liability and property

Most small businesses begin with a business owner’s policy that bundles general liability and property cover. If you lease space, your landlord may specify minimum limits.

Add what your work needs

If you have employees, workers’ compensation is required in most states. If you drive for work, you need commercial auto. If you handle customer data, ask about cyber cover.

What can wait

Some covers can wait until the business grows: key person cover, higher umbrella limits, or employment practices cover. We will tell you which ones to buy now, and which to revisit at your first review.