Insurance Claims Resources 1-888-806-9598 , call us Log In Pay Bill Business Insurance Customized to meet your specific business needs Zip Code Select a product Currently selected product Business Insurance  This coverage provided and serviced by affiliated and third-party insurers. Read More. Retrieve a quote Find an agent BUSINESS INSURANCE , CURRENT PAGE BUSINESS OWNERS POLICY GENERAL LIABILITY CONTRACTORS 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 From basic protection to specialized coverage, the Progressive Advantage® 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 Quote 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". More info Commercial Auto Quote 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. More info Professional Liability Quote 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). More info Cyber Insurance Quote 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. More info Business Owners Policy (BOP) Quote 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. More info Workers' Compensation Quote 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. More info Browse for insurance by your profession. Get Started 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. 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. Additional business insurance products Liquor Liability Insurance Liquor liability insurance is coverage for businesses that make, sell or serve alcoholic beverages. It's also known as dram shop insurance. Inland Marine Insurance Inland marine insurance is coverage for moveable property, such as tools, equipment and other goods. It protects items while in transit over land or stored away from your business. Employment Practices Liability Insurance Employment practices liability insurance (EPLI) protects businesses against claims related to employee discrimination, sexual harassment and wrongful termination. Rideshare Insurance Rideshare insurance is intended to fill the gaps between the insurance ridesharing companies, like Uber or Lyft, provide for their drivers and their drivers’ own personal policies. Commercial Property Insurance Commercial property insurance protects commercial buildings and the moveable property your business owns and keeps onsite. It’s offered as part of a BOP. Excess and Surplus Lines Insurance Excess and surplus lines is a market for high-risk professions who can't get general liability coverage in the admitted market. It’s also known as E&S insurance. Employee Pet Insurance Benefit Employee pet insurance is a voluntary benefit that can help cover medical expenses for your employees’ pets. Health Insurance Health insurance is a benefit that lets your business offer quality medical care to your employees and their dependents. Insure your small business Show video transcript Common questions What does business insurance cover? Business insurance isn’t a specific coverage. It’s a term used to describe one or more individual coverages that protect a small business. The range of protection depends on the specific coverages a business carries. For example, “business insurance” can refer to a single coverage, such as general liability, but it can also include many more. Which coverages do I need? Each business has unique needs, but nearly all should consider general liability. It’s the most common coverage, protecting businesses against a wide variety of situations involving third-party injuries or property damage (e.g. slip and falls, broken windows). If you or your employees drive for work-related tasks, you’ll probably need commercial auto insurance. Most states require that you carry workers’ compensation if you have employees. Not sure what you need? Answer five simple questions to find which coverages you should consider for your small business. Why do I need business insurance? You need it to protect against severe financial loss. Without it, your business could be crippled by a single incident. For example, a customer was injured and you’re legally responsible. Without insurance, the medical bills and legal fees could become impossible to afford. Don’t let this happen to you. Do I need business insurance if I’m a sole proprietor? Yes. As a matter of fact, sole proprietors are personally responsible for their business’s debts. This means their personal assets, such as bank accounts or property, might be targeted to satisfy an outstanding business debt. Accidents are unavoidable, but the financial impact they can cause is something you should plan for no matter how small your business is. Can Progressive help me get business insurance in my state? Yes. Progressive can help you find a variety of business insurance coverages, including general liability, a business owners policy (BOP) and professional liability, in all states except Hawaii. Browse by state. Let us help you with a business insurance quote We want you to feel confident and secure with your small business insurance. Here’s just a few of the many reasons you should choose us to help you find the best insurance for your business. Flexibility We can help you secure coverage at any stage of your business’s development and offer the flexibility to adjust coverages as your business grows. Our agents will work with you to make sure you’re getting protection that meets both your needs and budget. Convenience We offer several ways to get customized business insurance. You can start a quote online, by phone, or through a local agent. Updating your policy is easy, and we can usually activate your request the same day you make it. Expert Support As an experienced business insurance provider and the #1 Commercial Auto Insurer in America*, you can be confident in our support. Our team of specially trained, in-house agents can help you every step of the way to make sure you’re getting the best coverage for your business today, and tomorrow. More information Business Insurance Cost How to Get Business Insurance Getting a Business Insurance Quote Do I need liquor liability insurance? What is the difference between a claims-made & occurrence form of coverage? What does workers’ compensation cost? *No. 1 commercial auto insurer from SNL Financial’s 2019 national written premium data. Quote online or call for expert advice. 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