Get business insurance

An LLC limits your personal liability, but it does not pay for accidents, lawsuits or damage. Insurance does.

• General liability covers injuries and property damage you cause to others.
• Professional liability (errors and omissions) covers mistakes in your advice or services.
• A Business Owner's Policy (BOP) bundles liability and property coverage, often at a lower price.
• Workers' compensation is required in most states once you have employees.
• If you drive for work, you likely need commercial auto coverage.

This playbook is general information, not legal, tax or financial advice. Rules change, so confirm details with a licensed professional. Last reviewed September 2026.