Small Business Insurance 101

Starting and running a small business takes hard work, dedication, and investment. The right insurance helps protect everything you've worked to build when the unexpected happens.

One of the best places to start is with a Business Owner's Policy (BOP). A BOP combines three essential coverages into one convenient policy:

• General Liability Insurance

• Commercial Property Insurance

• Business Income (Business Interruption) Coverage

Many insurance companies, including Liberty Mutual and The Hartford, recommend a Business Owner's Policy because it provides a strong foundation of protection for many small businesses.

Depending on your business, you may also need additional coverage such as:

• Workers' Compensation

• Commercial Auto Insurance

• Professional Liability (Errors & Omissions)

• Cyber Liability Insurance

No two businesses face the same risks. A retail store, contractor, consultant, and restaurant all have different insurance needs. That's why reviewing your operations with an experienced insurance advisor is one of the best ways to ensure your business is properly protected.

The right insurance isn't just about meeting legal requirements—it's about protecting your employees, customers, property, and your financial future.

At Legacy Gate Partners, we're here to help you find coverage that fits your business today and grows with you tomorrow. Contact us to schedule a complimentary business insurance review.