Business Insurance: The Safety Net Your Small Business Needs
Do you have insurance for your small business? If not, you're not alone. A recent survey by Manta and Insureon found that fewer than three in 10 small business owners have a business owner’s policy, the basic business insurance that covers general liability insurance and commercial property insurance to protect you from loss.
Even fewer (21%) have Errors & Omissions (E&O) or professional liability insurance, 17% have workers compensation insurance, 6% have business interruption insurance, and only 2% have cyber insurance.
Of course, when you're starting a small business—and even as your business grows—there are plenty of other urgent needs competing for your dollars besides business insurance. For many small business owners, purchasing insurance can seem like an unnecessary luxury. They'd rather roll the dice and hope nothing bad ever happens to their business than commit to monthly or annual premiums.
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