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All businesses need insurance, but how much and what type depends on your business activities. Many types of insurance are available; some are required by law and others are optional. Unless otherwise noted, most insurance can be obtained from an insurance company specializing in business insurance.

For information about a specific type of insurance, choose from the following:

Required Insurance 

Businesses with employees must have worker’s comp and unemployment insurance (actually a tax). Classifying a worker as an independent contractor rather than an employee may result in a substantial fine if the worker is misclassified. Therefore, be certain you understand the difference and workers are correctly classified.

Optional Insurance 

You may need one or more of the following insurance products, depending on your specific business activity. Your insurance agent or professional association can provide information.
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