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Choose from a variety of commercial business insurance options
Business insurance protects your small business from financial damages that can result from accidents, property damage, professional errors, workers compensation claims and other situations. Having accurate coverage is critical in minimizing the negative impact of claims against your business.
Types of Business Insurance
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From basic protection to specialized coverage, the Startrust USA® Business Program offers several types of commercial insurance so you can get the best combination of coverages for each stage of your business’s development.
General Liability
Most small businesses need this coverage. It guards against things like bodily injury, property damage, completed operations and advertising injury that arise from your business. Sometimes people refer to this coverage as "business insurance".
Cyber Insurance
Protects against electronic threats, such as data breaches and cyber-attacks. Businesses that store or process sensitive data like credit card information should consider this coverage.
Business Owners Policy (BOP)
This coverage packages business liability and property coverage into one policy. It’s a common choice for small businesses with commercial buildings or personal property.
Commercial Auto
You need this coverage if you use your vehicles for business. This can include traveling between job sites, making deliveries or transporting tools and equipment. It provides liability and physical damage protection for your business vehicles and trailers.
Professional Liability
Liability protection for businesses who offer professional services or advice. It protects against claims of professional negligence. It’s also known as Errors and Omissions insurance (E&O).
Workers' Compensation
This protects you and your employees. It helps pay for expenses such as medical costs and lost wages related to employees who become injured or ill on the job.
Business insurance cost
In 2020, the national average cost of a new 12-month business insurance policy through the Progressive Advantage® Business Program ranged from $46 a month for professional liability to $86 a month for workers’ compensation.
Your cost is based on a variety of factors including the industry you’re in and the specific types of jobs you do. For example, one landscaping company might only mow lawns, while another offers additional services such as tree trimming. They’re both landscapers, but their exposure to risk is different and will be reflected in their rates.
Discover more factors that influence business insurance rates and what you can do to get the coverage you need at the best price.
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Customized coverage
We offer customized coverage that matches your business’s level of exposure to certain risks. A customized policy includes the coverages you need, with limits that match your specific requirements. Customized coverage is flexible, so if your situation changes – or you simply change your mind - you can update your policy any time.
Be wary of “one-size fits all” policies. They can have gaps in coverage that leave you exposed. For example: You might assume general liability covers any type of business liability; it doesn’t. Learn the differences between general liability and professional liability insurance.
We focus on customizing your policy upfront to avoid these types of problems and so you can feel confident you’re getting the right insurance the first time.
Speak with an Expert today
Contact us today to speak with an expert and receive a free quote.