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Business insurance for US companies
Business insurance covers liability, property, and other risks. General liability and, for many firms, professional liability or workers-compensation are the common starting points.
What to look for
- Coverage types matched to your industry
- Clear policy limits and exclusions
- Certificate-of-insurance turnaround
- Bundling (business owner's policy) discounts
- Financial strength rating of the underwriter
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Common questions
What insurance does a small business need?
It varies by industry and state. General liability is common; some states and clients require workers-compensation or professional liability.