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For as little as 83 cents a day, we can help make sure your business is covered while you stay focused on your goals.
For as little as 83 cents a day, we can help make sure your business is covered while you stay focused on your goals.
When you’re juggling responsibilities as an owner, having an extra layer of protection can help put your mind at ease.
Business insurance includes a variety of policies that can help protect your business from claims or lawsuits resulting from property damage, professional errors, employee injuries and more.
Other names for it include small business insurance, commercial insurance or commercial business insurance.
Also known as a BOP, this provides coverage for general liability, property damage and business income — all in one policy.
Most commercial leases and business contracts require their own minimum amount of coverage. General liability can cover common risks like bodily injury, property damage and advertising claims.
If you have vehicles you use for your business, this policy can help protect them.
If your business has employees, most states require you to have an active policy. Workers’ comp helps cover medical expenses and lost wages for work-related illnesses and injuries.
A commercial excess policy can add an extra layer of coverage over one or more of your policies’ liability limits. It could help if someone files a large claim against you.
Commercial property insurance can help cover your building, whether you rent or own, plus the tools and equipment you use.
If you experience a data breach or cyberattack, cyber insurance can help your business recover from financial losses.
A farm and ranch policy can help protect your farmhouse, equipment, horses and livestock.
Professional liability insurance helps cover claims of negligence or financial harm resulting from your professional service or advice.
A surety bond is a legal business contract that can help you guarantee you’ll complete the project or other obligation your clients hired you for.
The right business policy or policies can help protect you from unexpected lawsuits. Without insurance, you may end up paying these expenses out of pocket.
Having the right mix of coverage and limits could prevent a large claim from putting you out of business.
Video Duration: 2 minutes 9 seconds
Awesome, you launched a business. Excitement and hope fill your calendar and then the unexpected happens. Suddenly that bright future is a little cloudy.
Will your business survive the damage? Get certainty with small business insurance. Here are six reasons why you should consider it.
One, somebody could sue you.
It may sound silly, but a lawsuit may come from anywhere. It costs time, money, and energy. Small business insurance can help provide business or liability protection.
Remember, hope is not a plan.
Two, the wall between your personal finances and your business may be thin.
Sole proprietorship may put your personal situation and money in danger.
Your personal policies may not cover you if the liability is a result of business activity. Limiting your risk should be a priority.
Three, your business income is essential.
Maybe you launched a business to give you extra income that'll grow. Unexpected disasters can destroy this potential.
Most business insurance policies provide income replacement or continuation coverage.
Four, you're a magnet for cyber crime.
Cyber criminals can't be seen or heard, yet they're real.
Small business insurance can help with protection from online threats
Five. you need to protect your business property.
It's likely you have a computer and other tools. Maybe you need a lot of physical equipment for a building.
Losing these would be a problem.
Protecting your tools and assets may protect your profits.
Six. You're hiring.
Great. An extra hand can be a game changer for your business, but this opens you up to a new set of risks like wrongful termination or harassment lawsuits.
Small business insurance can help protect your business from those risks.
Life takes unexpected turns.
Be ready for what may happen today, tonight, or tomorrow. See if a small business insurance policy is right for you and your dreams.
Description of Visual Information: [This material is for informational purposes. Consider your own financial circumstances carefully before making a decision and consult with your tax, legal or estate planning professional.] End of description
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Steps to complete How to get a business insurance quote
We’ll ask you about your type of business, revenue and number of employees.
Select the coverage you need based on your risks.
You may receive a quote from USAA or the USAA Insurance Agency.
It depends on the types of policies you need and the size of your business. Small businesses may only need a single policy, while larger businesses may need multiple policies for the right amount of coverage.
Policy documents and proof of coverage for a USAA Small Business Insurance policy are available a few minutes after we issue your policy. You’ll find them in My Documents.
If you get your policy from another company through the USAA Insurance Agency, you can log on to their site or get your policy information from the agency.
You’ll need to have the following:
