Insuring Homes, Automobiles, Businesses and Boats for Over 30 Years

Small Business Owner's Insurance

Some common questions about small business insurance:

How much does small business insurance cost?

Each small business has unique needs and requires different types of business insurance. Similarly, how much you pay for your business insurance products depends on your business needs, where you operate, and what industry your business is in. The best way to figure out what you might pay for a Brier Grieves Insurance policy is to get an instant small business insurance estimate.

What does a business owner's policy cover?

A Business Owner's Policy includes a general liability insurance policy, property insurance, and business interruption insurance (among several others!). Basically: if you purchase a BOP and workers’ comp, your small business can be covered for many different risks.

Which business insurance policies protect against COVID-19?

It’s hard to answer that question right now, unfortunately. The coronavirus pandemic is still relatively new, and it’s not yet clear whether standard small business insurance can cover business income losses related to COVID-19.

Business Owner's Policy

General Liability

General liability insurance can help cover you and your small business if someone else makes a claim against you for bodily injury, property damage, or advertising injury.

Business Property

Business property insurance can pay out to rebuild or replace your building if it is destroyed or seriously damaged by a covered loss (say, due to vandalism or a natural disaster). Business personal property insurance covers most movable property inside your building.

Business Interruption

A commercial property insurance policy is actually two coverages. Business property insurance can pay out to rebuild or replace your building if it is destroyed or seriously damaged by a covered loss (say, due to vandalism or a natural disaster). Business personal property insurance can help cover most movable property inside your building.

SBA Coverage

What are the other types of coverage for small businesses?

Professional Liability

Professional liability insurance, also known as errors and omissions insurance, can pay out to cover the cost of a mistake that harms or negatively affects a client during a professional service. It’ll help cover your legal fees (as well as the cost of a lawsuit payout!) if you or your business are sued because of a covered mistake.

Hired and Non-Owned Auto

A type of commercial auto insurance. Hired and non-owned auto liability protects your small business from a lawsuit if someone from your company causes damage with a vehicle that isn’t owned by your business.

Employment Practices Liability

Employment practices liability insurance (usually called EPLI) is there to protect your company if an employee ever claims wrongful termination, harassment, or discrimination.

Equipment Breakdown

Equipment breakdown coverage can pay out to repair (or even replace) the equipment you rely on to run your small business. So if your everyday business operations depend on mechanical or electrical equipment, this is a pretty important coverage to purchase.

Restaurant Endorsement

If you’re in food service, buying a restaurant endorsement for your business can get you a bundle of vital coverages that can help protect you against the unique risks that come with serving food for a living.

Employee Dishonesty

Employee dishonesty insurance can compensate your business for financial damages caused by employee theft. It covers direct theft (think: an employee who steals cash from the register) as well as indirect theft (think: a bartender who didn’t charge buddies for drinks).

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The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.
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