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Small Business Insurance:
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Why do small businesses need insurance?

Think about it: Could you pay out-of-pocket for medical care if a client, customer, or employee is injured in your workplace? How about if you or someone who works for you damages a client’s property? What if you were sued over a mistake you make on the job? If you answered NO to any of these, then you need business insurance.

A lawsuit without proper insurance protection can easily bankrupt any small business. 

How does it work?


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No need for a long form application or hours on the phone. Most of our customers just take less than 10 minutes.


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In most cases, your quotes will be available immediately. It sometimes can take a bit longer, still less than 24 hours.


Buy online

When your quote is final, you can buy online and sign your policy electronically.


Insured instantly

Your policy will take effect immediately to provide you with instant coverage so that you can get back to your life.

Business insurance coverages

Workers' Comp Insurance

Pays for medical costs, long term care, disability benefit, death benefit, and lost wages that result from a workplace related injury or illness.

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Professional Liability / E&O / Malpractice Insurance

Covers lawsuits and settlements related to mistakes you or your employees make while doing business.

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BOP Insurance

Provides the basic insurance coverage most businesses need. Usually combines general liability, commercial property, and business interruption coverages.

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General Liability Insurance

Cover small businesses if they ever get sued by a third party for property damages, bodily injuries, or advertising injuries, and more

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Commercial Property Insurance

Pays to repair your business property if it's damaged by things like a fire or weather event. It also covers burglaries.

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Directors & Officers (D&O) Insurance

Covers your business if directors or officers are sued because of the business decisions they make.

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Commercial Auto Insurance

Pays injury and repair costs if you or an employee has a car accident while driving for business.

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Business Interruption Insurance

Replaces lost income if your business is unable to open due to a reason covered by your insurance.

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Cyber insurance

Helps pay costs related to data breaches and cyber crimes against your business.

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How much does small businesses insurance cost?

The cost of small business insurance depends on several factors: the size of the business, both annual revenue and number of employees, the coverages, the business location, etc. 

On average, small businesses pay $2,828 a year or $236 a month for all business insurance coverages that they need. 

Learn more about the cost of business insurance for different coverages.

Why buy business insurance from BravoPolicy?

Great question! Here are three good reasons:

  1. You’ll probably pay less for your business insurance with BravoPolicy. Our customers save 20% on average. 
  2. We can get your small business covered in about 10-15 minutes. 
  3. You can manage all of your business insurance needs through our online portal. No paperwork needed. No need to wait on the phone for hours to speak to customer service.  

Small business insurance FAQs

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