Insurance needs depend on your work, location, vehicles, employees and contracts. Before you call a licensed agent, list what you do, where, with what equipment and who you hire. Ask about general liability, professional liability, commercial property, commercial auto, workers compensation and any coverage your landlord, clients or event organizers require.
Common coverage types to ask about
| Coverage | General purpose |
|---|---|
| General liability | Third-party injury or property damage claims |
| Professional liability | Claims about professional advice or errors |
| Commercial property | Your equipment, inventory, space |
| Commercial auto | Vehicles used for business |
| Workers compensation | Employee injuries (rules vary by state) |
| Business owner policy | Bundles some coverages for small businesses |
Questions to ask the agent
- What claims are most common in my industry?
- What do my landlord, clients or event organizers require?
- What is excluded?
- How do deductibles and limits affect the price?
- How do I get a certificate of insurance quickly?
Have ready
- Business description and revenue estimate
- Number of employees and contractors
- Vehicles and equipment list
- Lease or contract insurance requirements
Worked example
A mobile mechanic meets an insurance agent with a list: services offered, the van and tools, where he works, whether he has employees and any contracts that require coverage. They discuss general liability, commercial auto, coverage for customers' vehicles in his care, tools and equipment, and what happens if a repair fails. He asks for exclusions in writing and how to get certificates for fleet customers.
Common mistakes
- Buying the cheapest policy without reading exclusions
- Assuming personal auto or home policies cover business use
- Not updating coverage when adding employees or vehicles
- Waiting until a client asks for a certificate
Before meeting the agent
Prepare a short summary of what you do, where you work, your equipment and vehicles, expected revenue, employees, subcontractors and any contracts or leases that require insurance. The more the agent knows, the better the coverage fits.
Common questions
Is business insurance required?
Some coverage is required by law (often workers comp once you have employees, and auto for vehicles), and some by contracts or leases. Ask a licensed agent in your state.
What is a certificate of insurance?
A document showing your coverage, often requested by landlords, clients and event organizers.
How often should I review my insurance?
At least yearly and whenever you add services, vehicles, employees or locations.
Can I bundle policies?
Some insurers offer business owner policies that combine coverage; compare what's included.
How quickly can I get a certificate of insurance?
Often the same day or next day from your agent; ask in advance about their process.
Do I need insurance before opening?
Often yes: landlords, clients and event organizers may require proof before you start, and some licenses require it.
Sources
Sources checked October 6, 2026. Rules, fees and forms change; confirm details with the agency or provider before you act. This guide is general information, not legal, tax or insurance advice.
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