Small Business Insurance Topics

Small business owners have a lot to juggle: they are often selling, hiring, keeping the books and even mopping the floors at their companies. One thing that's important not to overlook is making sure your business is adequately protected through property insurance, liabilty insurance and other types. Also, staying competitive often means providing insurance benefits for your employees. DIFP and the National Association of Insurance Commissioners offer this site as a resource for small businesses.

Insurance for your business

Business interruption insurance
Coverage for your buisness in the event of an unforeseen event
Commercial auto
Protecting your small business vehicle fleet
Property insurance
Coverage for your building, inventory or other property in the event of damage or theft
Liability insurance
Protecting your small business against lawsuits; also known as Commercial General Liability (CGL)
Home-based business considerations
The smallest of small businesses have unique insurance needs

Insurance for your employees

Workers' compensation
Compare rates, get FAQs, find out how to resolve disputes
Group health insurance (including federal health care reform)
Options to consider in providing health coverage for your employees
Tax-protected accounts (cafeteria plans, HSAs, HRAs)
Savings accounts can help your employees pay their health care expenses
Disability insurance
Options for small businesses providing coverage for employees unable to work
Group life insurance
Considerations, risks and plans available for small businesses
Key person life insurance
Life coverage for senior employees of a small business

Resources from DIFP & NAIC

Insurance Consumer Hotline
File complaints, verify an agent or company are licensed, or ask general questions about insurance
Insurance glossary
Definitions of commonly used insurance terms
Market share reports
Find out what insurance companies offer the coverage small businesses need
Consumer complaint index
Find out what companies have the highest consumer complaint rates
InsureU for small business
A page dedicated to insurance needs of small businesses, from the National Association of Insurance Commissioners