Coverage
Business insurance
Different companies face different risks. A contractor, a clinic, and an online shop do not need the same set of policies.
What this coverage is for
General liability is the coverage people mean when they talk about slips, customer injuries, or damage to someone else’s property. Commercial property covers buildings, equipment, and inventory the policy lists. Commercial auto is for vehicles the business owns or uses. Workers’ compensation is required for many employers and is separate from general liability. Professional liability addresses claims that a service was negligent.
A lease, a client contract, or a license board may name coverages you must show. That list is a starting point, not proof that every line applies to you. INSUREflo does not certify certificates or tell a business it is compliant.
Ideas you will see on a real quote
General liability
Claims of bodily injury, property damage, and some advertising injury arising from operations.
Commercial property
Named buildings, tools, stock, and equipment, subject to limits and excluded causes of loss.
Workers’ compensation
Employee injury benefits where the law requires it. Rules differ by state and by who counts as an employee.
Professional liability
Claims that advice or a professional service caused a client a loss.
Begin with two facts
Choose this coverage and add a ZIP. INSUREflo saves that start. It does not submit it to a marketplace.
Questions
Does every business need all of these?
No. A one-person studio and a contractor with a crew have different exposures and legal duties.
Is a personal auto policy enough for work trucks?
Often no. Using a personal auto policy for business vehicles can leave a gap. Read the policy or ask a licensed agent.
Can I upload my current policies here?
Please do not. The quote start only asks for a coverage type and ZIP. Send documents only through a channel meant for them.
INSUREflo is not an insurance company, agency, broker, or licensed producer. Nothing on this page is a policy, a quote, or a personal recommendation.