Small business owner

Running your own business comes with plenty of achievements, but every business also has its own risks

Everything you need

Why do small business owners need insurance?

Small businesses are often left in the dark when it comes to protecting what they have built. No matter what type of small business you operate, each one comes with a particular set of common risks. Obtaining the right insurance is crucial to protect your business from:


Lender or lease requirements


Employees accidents and injuries


Lost, stolen, or damaged property and inventory


Reputational damage and customer lawsuit


Business interruption and lost income

What does small business owners insurance cover?

Choosing the right small business insurance can help protect you from costly risks and liabilities, the right policies for your business will depend what product you sell and what service you offer and where you are located.

Here are some of the most popular insurance policies for small business, covering the most common risks you'll face as a small business owner:

Bodily Injury

Someone other than you (or an employee) is injured and your business is responsible for medical, legal and damages.

Third-Party Property Damage

Customer property is damaged by you (or an employee).

Advertising and Reputational Injury

Your business is accused of copyright infringement, malicious prosecution, slander, libel, wrongful eviction and violating a person's privacy.

Product Liability

Products developed or sold by your business harm people or property, and your business is responsible for legal and medical expenses.

What types of small business owners do we cover?

How much does small business owners insurance cost?

Coverdash helps you identify the appropriate coverage to suit your small business needs without breaking the bank. The exact amount you pay will depend on:

  • The type of small business you operate
  • Your revenue and employee payroll
  • Your number of employees
  • Your business location
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