What Insurance Does My Business Need?
Take this quick interactive assessment to identify required state statutory policies and high-risk coverage gaps for your specific enterprise.
Not sure which policies your business actually needs? This tool walks through a few quick questions about your entity type, employees, and industry to surface commonly required and commonly recommended coverage categories — a helpful starting point before you talk to a licensed agent.
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Ready to move forward? Request a Business Insurance Quote, explore the Fleet Cost Estimator, or read our Small Business & BOP guides.
Common Questions About Business Insurance Needs
How do I know what coverage my business needs?
It generally depends on your business structure, whether you have employees, the industry you operate in, and the contracts or leases you've signed — many of which specify minimum insurance requirements.
Is general liability enough on its own?
General liability covers a common baseline of third-party bodily injury and property damage claims, but many businesses layer on additional coverage such as property, professional liability, cyber, or workers' compensation depending on their risk profile.
Do I need workers' compensation if I have employees?
Most states require employers to carry workers' compensation once they have employees, though specific thresholds and exemptions vary by state. Check with a licensed agent for the rules in your state.
What is a BOP and who typically uses one?
A Business Owner's Policy bundles general liability and commercial property coverage into a single package, which many small and mid-sized businesses find convenient for common risk combinations.
Does this checker replace advice from a licensed agent?
No. This tool is an educational starting point to help you think through categories of coverage. It is not a substitute for a formal risk assessment from a licensed insurance professional.