One lawsuit or uncovered loss can shut your business down.

Business Insurance · 2026

Protect Your Business — Before a Claim Does the Damage

15 commercial coverage types from 70+ A-rated carriers. Same-day coverage and COIs available. Tailored to your industry, your size, and the specific risk on your desk right now.

All 15 commercial coverage types.

Filter by category or pick any coverage to see what's included and start a quote.

Core liability

General Liability

Covers bodily injury, property damage, and personal injury claims against your business. The foundation of any commercial policy.

18Licensed States
70+Carrier Options
Same DayCoverage & COIs
$0Cost to Compare
The Risk

$50/Month vs. $50,000 Lawsuit

The cost of business insurance is a fraction of what one uncovered claim can cost you.

$75K
Slip & fall claim
$40K
Contractor damage
$100K+
Data breach
Get My Business Protected

Need a Certificate of Insurance (COI) Today?

We issue COIs, add additional insureds, and handle contract compliance — often the same day. Get insured and get your proof fast.

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Coverage Types

Every business faces risk. The right policy manages it.

Whether you're a solo contractor or a growing company, we build a coverage package around what your business actually needs.

General Liability

Covers bodily injury, property damage, and personal injury claims against your business. The foundation of any business policy.

Commercial Property

Protects your building, equipment, inventory, and business assets from fire, theft, vandalism, and covered weather events.

Business Interruption

Replaces lost income and covers operating expenses when a covered event forces your business to temporarily close.

Commercial Auto

Covers vehicles used for business purposes — owned, leased, or employee-owned — that a personal policy won't touch.

Workers' Compensation

Required in most states if you have employees. Covers medical costs and lost wages when a worker is injured on the job.

Professional Liability

Protects service-based businesses from claims of negligence, errors, or omissions in the work you deliver.

How It Works

Business coverage that's built around your operation.

No generic packages. We take the time to understand your business before recommending coverage.

1

Tell us about your business

Industry, size, location, employees — a quick conversation gives us what we need to build the right package.

2

We identify your risks

Your advisor pinpoints the coverage gaps that could cost you most — and recommends only what you actually need.

3

Get covered and stay protected

We place your coverage with the right carrier, handle the paperwork, and check in at renewal to make sure nothing has changed.

Bundle & Save

Bundle the coverage that protects your whole business.

Pair core commercial coverage with the exposures your industry actually carries — one advisor, one policy review, less paperwork.

One lawsuit could cost more than your business is worth.

General liability alone can be the difference between surviving a claim and closing your doors. Talk to an advisor today.

Business owner protected by OnePoint
Why OnePoint

We understand business risk because we work with business owners every day.

Industry-specific expertise

From contractors to consultants to retail — we know what coverage your industry demands and which carriers specialize in it.

Claims support when it matters

When something goes wrong, your advisor advocates for your business throughout the claims process — not just at policy purchase.

Annual coverage reviews

Your business changes. We review your coverage every year to make sure your policy keeps pace with your growth.

Talk to a Business Advisor
The Difference

Why Not Just Buy Direct?

Direct CarrierOnePoint
Options1 carrier70+ carriers
Policy typeGenericIndustry-specific
AdvisorNoneLicensed expert
StrategyNo risk planningRisk-based planning
COI speedDaysSame day
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Common Questions

Business insurance, without the jargon.

Yes. Your homeowners policy does not cover business equipment, liability from clients visiting your home, or professional errors. A home-based business policy or BOP can close those gaps affordably.
A Business Owner's Policy (BOP) bundles general liability and commercial property into one package, often at a lower cost than buying both separately. It's a smart starting point for most small businesses.
In most states, yes — if you have one or more employees. Requirements vary by state and industry. We'll confirm exactly what's required where you operate and find the most cost-effective option.
Coverage needs depend on revenue, number of employees, physical assets, contract requirements, and industry risk. Your advisor walks through a risk assessment to make sure there are no dangerous gaps.
Yes. Once your policy is in place, we can issue a certificate of insurance — often the same day — for contracts, vendors, or landlords that require proof of coverage.

Same-day coverage available

Don't Wait Until a Claim to Find Out You're Not Covered

A licensed business advisor will assess your risks, recommend the right coverage, and get you insured — often the same day.

Free comparison · COIs available · No obligation