Customize your insurance to suit your business
Business owner's insurance offers liability protection in case of bodily injury or property damage, but it is up to you to determine the additional coverages needed for your small business.
For example, if you owned a moving company, you would need commercial auto insurance to cover the moving trucks used to run your business. You can add this coverage to a standard business owner's policy. Now, you have a customized insurance bundle to cover your property, general liability, and vehicles.
Most business owners' policies exclude professional liability and workers’ compensation coverage. These necessary protections will have to be purchased as additional policies.