Business insurance
General liability, property, workers' comp and what small businesses tend to need.
A small business policy is usually a bundle of separate coverages, each with its own limit, deductible and exclusions. General liability, property and workers' compensation answer different questions, and one does not stand in for another.
The pages in this topic read those coverages from the wording. What a business needs depends on its work, its contracts and its state, so these are general explanations to bring to a conversation with a licensed agent.
From the catalog
Read alongside this shelf
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CHK 01
Insurance renewal review checklist
What to compare between last year's policy and this year's, and which questions to put to your agent.
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RUL 01
Policy Plain editorial standards
The rules we follow on sources, state differences, numbers, corrections and the limits of general information.
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GDE 01
Reading a declarations page, field by field
What each part of a declarations page tells you, and why the page only makes sense next to the rest of the policy.
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LEX 01
Insurance terms in plain language
Short definitions of the words on a quote, a declarations page and a claim letter.
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DSK 01
Deductible break-even calculator
Enter two deductibles and their premiums to see the extra premium, the saving per claim and the break-even point.