Get the right business insurance

The right insurance protects everything you're building from a single bad day. Some coverage is legally required (like workers' comp once you hire); the rest depends on your trade and your risk. A quick chat with an agent tells you exactly what you need — and it's usually cheaper than owners expect.

Do this

1. Start with general liability — it covers accidents, injuries, and property damage claims.
2. Add workers' compensation the moment you have employees (required in most states).
3. Cover your tools and equipment, and add commercial auto if you drive for the business.
4. Compare a couple of quotes; an independent agent can match coverage to your specific trade.

Insurance to ask an agent about

• General liability (accidents, injuries, damage) — almost everyone needs it
• Workers' compensation (required once you have employees)
• Commercial auto (if you drive for work)
• Property / equipment coverage for your tools and gear
• Professional liability / E&O (if you give advice or a service)
• Any coverage your clients or landlord require in writing