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helps protect the investment you’ve made in your business. It can also help provide financial benefits to your employees if they get hurt or sick from their job.
Most commercial insurance policies are optional. Your state may require you to carry certain coverages. For example, employers in most states have to carry workers’ compensation insurance.
You may be wondering, “What insurance do I need to start a business?” The insurance you need depends on the type of business you have. We’ve put together an overview of the types of insurance
policies that you should know about. We know every business is different, so some coverages may not apply to your business. Learn how different types of business insurance can help protect your company.
Do Startups Need Insurance?
Startups should have basic insurance coverage. Your business faces unique risks and challenges that come up during normal operations. Without business insurance, you’ll have to pay out of pocket for claims.
What Insurance Do I Need to Start a Business?
Seguro general contra terceros
- Lesiones corporales
Property damage to someone else’s belongings
Personal injury, like libel or slander
Seguro de propiedades comerciales
Workers’ Compensation Insurance
require businesses with employees to carry workers’ compensation insurance
. This gives your employees benefits to help them recover from work-related injuries or illnesses. These benefits can help:
Pay medical bills to treat a work-related injury or illness.
Cover ongoing care, like physical therapy.
Replace lost wages if an employee misses work to recover from their work-related injury or illness.
Provide disability benefits if a work-related injury or illness leaves an employee temporarily or permanently disabled.
Seguro comercial para automóviles
Commercial auto insurance
helps protect you and your employees on the road. Many states require this coverage if you have vehicles that your business owns, leases or rents. Even if it’s not mandatory, this policy can help protect your business if you or an employee causes a car accident.
What Other Types of Insurance Should I Consider For My Startup Business?
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If your business handles personally identifiable information (PII), data breach insurance
is a good idea to have. It helps your business respond to a breach if PII gets lost or stolen. It can help small business owners pay to:
Notify impacted individuals
Create a public relations campaign to improve your business’ reputation
Offer credit monitoring services
Some insurance companies call this coverage cyber liability insurance.
Seguro comercial contra inundaciones
Commercial property insurance doesn’t typically cover flood damage. That’s where commercial flood insurance
can help. This policy helps protect your business’ physical location and the contents inside. We provide flood insurance through the National Flood Insurance Program (NFIP).
Seguro comercial suplementario
Commercial umbrella insurance
extends the limits of some of your existing liability coverages. For example, let's say a customer slips and falls in your business. They sue your business to pay for their medical bills, which cost more than your general liability policy limits. Commercial umbrella insurance can help pay the difference. This coverage is also known as umbrella liability insurance.
Seguro de responsabilidad profesional
If you provide a professional service to customers, you may want to get professional liability insurance
. It can help pay your legal costs if someone sues your business for making a mistake in the professional services given. This policy is also known as errors and omissions
Directors & Officers Insurance
Seguro para ingresos comerciales
Business income insurance
helps recover your lost income if you can’t operate your company because of covered property damage. This coverage can help pay ongoing expenses your business has, like:
- Nómina de Sueldos