Small Business Insurance | Simply Business + Thumbtack

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Small Business Insurance FAQs

It’s common for states to require small business owners to carry business insurance. You’ll also need workers compensation coverage if you have any part-time or full-time employees. It’s also possible that you’ll need proof of insurance to lease a space or work on a vendor's property.

A comprehensive insurance product — one that includes general liability, professional liability, and workers compensation — can cover:

Bodily injury
Accidents and damages
Employee injuries
Unintentional mistakes
And more

Business insurance policy requirements can differ between states. You don’t necessarily need to know your state’s laws to get started, though. Our quote process takes your location into consideration, and our insurance agents can help you better understand your state’s specific requirements.

Is business insurance required by law?

What does business insurance usually cover?

Does business insurance differ by state?

Business Insurance: How Do You Know If You Need It?

Let licensed insurance agent Taylor Smith walk you through the reasons why you should have business insurance, especially if you work on client or vendor properties.

This policy can cover you in cases of property damage, bodily injury, product liability, and more.

Learn more about GL insurance

General Liability Insurance

This type of coverage protects your business if a client claims you were negligent in performing your work.

Learn more about PL insurance

Professional Liability

This policy can protect your business if you or your employee made a mistake while providing your services.

Learn more about E&O insurance

Errors & Omission Insurance

Protect Your Business
With These Policies

Simply Business is pleased to provide tailored insurance coverage from:

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Select your insurer and price

Relax – we’ve got you covered

You've got better things to do than dealing with the ins and outs of business insurance.

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Simply Business is proud to partner with Thumbtack to provide you with customized business insurance.

Simply compare free quotes from top insurers & buy instantly for as low as $21.25/month*.

Need Business Insurance? We Got You.

Get Quotes →

Need Business Insurance? We Got You.

Spend time on your business, not finding insurance. Get a policy for as low as $21.25/month.*

1-855-659-4577

M-F, 8am-6pm EST

Monday-Friday: 8am-8pm ET

That's why we make it simple to get covered in just three steps:

Monday-Friday: 8am-8pm ET

Simply Business is an online business insurance brokerage that lets you compare and buy policies from top insurers. We have over a decade of experience in making business insurance clearer, simpler, and easier for our customers.

*Monthly payment calculations (i) do not include initial premium down payment and (ii) may vary by state, insurance provider, and nature of your business. Averages based on January - March 2023 data of 10% of our total policies sold.

© Copyright 2024 Simply Business. All Rights Reserved. Simply Business, LLC is a licensed insurance producer in all U.S. States and the District of Columbia. Please be advised that insurance coverage cannot be added, deleted or otherwise changed until it is confirmed in writing by Simply Business or your insurance carrier. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA 02108, (844) 654-7272. In California, we operate under the name Simply Business Insurance Agency, LLC, License #0M20593. In Colorado, we operate under the name Simply Business, LLC DBA Simply Business Insurance Agency. In New York, we operate under the name Simply Business Insurance Agency. In Pennsylvania, we operate under the name Simply Business Insurance Agency, LLC. In Texas, we operate under the name, U.S. Simply Business, LLC. For more information, please refer to our privacy policy, terms & conditions and privacy notice for CA residents.