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Business Insurance

A business is an exciting investment, and one that all business owners are determined to protect. With the right insurance policy, you can focus all your attention on pushing your company to be the best possible version of itself without worrying about an accident undermining all your hard work.

The agents at Contigo insurance agency work closely with business owners across industries to customize policies for their business needs and budget. If you’re looking to protect your business, give us a call at 866- 210-7007

Other Coverage Options

  • Accounting Firm Insurance

  • Alarm Contractors Insurance

  • Arborist Insurance

  • Cleaning Business Insurance

  • Construction Insurance

  • Consulting Firm Insurance

  • Contractors Insurance

  • Specialty Trade Contractors Insurance

  • Craft Brewery Insurance

  • Dump Truck Insurance

  • Educational Facility Insurance

  • Financial Institution Insurance

  • Garage Insurance

  • Healthcare Facility Insurance

  • Healthcare Practice Insurance

  • Law Firm Insurance

  • Life Science Insurance

  • Limousine Services Insurance

  • Liquor Liability Insurance

  • Livestock Insurance

  • Maintenance Contractors Insurance

  • Manufacturing Insurance

  • Maritime Employers Insurance

  • Media Advertising Insurance

  • Orthotics Insurance

  • Pool & Spa Insurance

  • Printers & Publishers Insurance

  • Real Estate Business Insurance

  • Retail Insurance

  • Security Guards Insurance

  • Self-Storage Insurance

  • Septic Contractors Insurance

  • Specialized Equipment Insurance

  • Technology Services Insurance

  • Tow Trucks Insurance

  • BOP Insurance

  • Commercial Auto Insurance

  • General Liability Insurance

  • Commercial Property Insurance

  • Commercial Real Estate Insurance

  • Commercial Umbrella Insurance

  • Crime Insurance

  • Errors & Omissions Insurance

  • Fidelity Bonds

  • Loss Control Insurance

  • Inland Marine Insurance

  • Marine Insurance

  • Office Insurance

  • Product Liability Insurance

  • Professional Liability Insurance

  • Surety Bonds

  • Workers Compensation Insurance

Common Business Insurance Questions

What Insurance Do I Need For A Small Business?

Small business owners often think they may not need insurance. On the contrary, smaller businesses are often at greater risk when it comes to accidents and lawsuits, because these businesses generally don’t have a lot of monetary savings to fall back on in case of an unexpected and expensive claim.

How Much Is Small Business Insurance?

The cost of small business insurance varies depending on several factors, such as the location of the business, its size, its industry and its claims history. In general, small business owners may pay around $1,200 a year for general liability and commercial property insurance.

What Is Covered In Small Business Insurance?

Small businesses often invest in a BOP, or a business owners policy. This policy allows small businesses to bundle important coverages into a more affordable policy. Basic BOPs include:

  • General Liability: This covers acts of non-professional negligence that result in bodily injury or property damage of a third party.

  • Commercial Property: This provides compensation if the business physical property is lost or damaged due to fire, wind, hail, lightning, smoke, theft and vandalism.

These policies can be customized to cover other needs, as well. Common additions to BOPs include:

  • Professional Liability: This covers acts of professional negligence that causes clients direct or indirect loss.

  • Cyber Liability: This covers incidents concerning electronically stored information that is damaged, lost, breached or stolen.

  • Inland Marine Insurance: This covers items and equipment while it is being transferred.

How Much Business Insurance Do I Need?

Insurance needs change from business to business, even for those within the same industry. Carefully consider the liability risks and property loss your company faces. If you have any questions about the right business insurance limits for your company, How Much Does Business Insurance Cost?

Business insurance costs vary depending on specific policies, coverages and limits. On average, business owners may pay around $500 a year for general liability insurance alone.

When Do You Need Business Insurance?

Business insurance should be purchased before a business ever offers goods or services to clients.

When Is Business Insurance Required?

Requirements for business insurance depend on the state. In Texas , all employers with three or more employees must offer workers compensation insurance. .

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