General Liability
General liability insurance can address qualifying third-party bodily injury, property damage and certain other business liability claims.
Business Insurance
Protection for the business you've worked to build.
Business insurance can help address qualifying liability claims, property losses, interruptions, vehicle exposures and other risks tied to the way your business operates.
Business Insurance
Coverage structured around your
property, operations, people and liability.
01
Liability
Third-party claims
02
Property
Buildings, equipment, inventory
03
Business Income
Covered interruptions
04
Employees & Vehicles
When applicable
Business Risk
The risks of running a business extend beyond the front door.
A business may own equipment, hold inventory, serve customers, employ staff, operate vehicles or provide professional services.
Business insurance can be arranged around those activities rather than using the same policy structure for every operation.
Core Business Coverage
Different policies can address different business risks.
Coverage availability, eligibility, limits and exclusions depend on the business and insurer.
Commercial Property
Property coverage can protect qualifying buildings, equipment, furniture, inventory and other insured business property after a covered loss.
Business Interruption
Business income coverage may help with qualifying income loss and certain continuing expenses when operations are suspended after a covered property loss.
Professional Liability
Professional liability insurance may address qualifying claims involving alleged errors, omissions or negligence in professional services.
Commercial Auto
Businesses that own or use qualifying vehicles may need commercial auto coverage rather than relying on personal auto insurance.
Workers' Compensation
Workers' compensation can provide benefits connected with qualifying work-related injuries or illnesses. Employer requirements differ by state.
Your Operation
Vehicles, locations and daily work
can change the insurance discussion.
How the Business Operates
Start with what happens during a normal business day.
Business activity helps determine which policies may be relevant and which risks need separate attention.
01
Customers visit your location
Customer traffic can create third-party liability exposure.
02
You own equipment or inventory
Physical business property may need protection against covered losses.
03
Vehicles are used for work
Commercial vehicle use may require its own insurance structure.
04
Employees perform business duties
State workers' compensation rules may apply depending on the business and workforce.
Business Owner's Policy
Some businesses can combine key coverage into one policy.
A Business Owner's Policy, often called a BOP, commonly combines several basic business coverage sections when the business meets carrier eligibility rules.
A package for common small-business risks.
Eligibility and available extensions vary by insurer, business type, size and risk characteristics.
01
General Liability
Third-party liability protection included within qualifying BOPs.
02
Commercial Property
Protection for qualifying insured business property and locations.
03
Business Income
Coverage may address qualifying income loss following a covered property event.
Professional & Service Businesses
Service businesses can face risks beyond physical property.
Businesses that give advice, perform professional work or handle customer information may need coverage beyond general liability and property insurance.
For qualifying claims tied to professional services, errors or alleged negligence.
Coverage may address qualifying cyber events, data incidents and related response costs.
Protection for qualifying third-party injury and property damage claims.
Coverage for qualifying office equipment and other insured business property.
Professional Services
Advice, data and client work
can create their own insurance needs.
Property & Inventory
What the business owns can be part of the policy.
Commercial property insurance can address qualifying physical loss to insured business property when caused by an event covered by the policy.
01
Buildings or leased space
Property responsibilities depend on ownership, lease terms and policy.
02
Equipment
Machinery, tools, computers and other equipment may require coverage.
03
Inventory
Stock and goods held for sale can form part of insured property.
04
Business income
A covered property loss can also affect the ability to keep operating.
Additional Business Coverage
Some businesses need policies beyond a basic package.
Commercial Auto
For qualifying vehicles owned or used by the business.
Cyber Liability
Coverage for certain qualifying cyber and data-related incidents.
Professional Liability
For qualifying claims tied to professional services or alleged errors.
Workers' Compensation
Employee-related coverage subject to applicable state rules and policy terms.
Employees & Workplace Risk
Hiring employees can change the insurance picture.
Workers' compensation systems for private employers are administered through state programs, and rules differ by jurisdiction and business situation.
01
State rules
Employer requirements can differ from one state to another.
02
Employee classification
Work performed can affect policy classification and pricing.
03
Workplace exposure
Office, retail, driving, trade and industrial work can present different risks.
04
Payroll information
Payroll and employee information may be requested for underwriting.
Quote Information
The business itself shapes the insurance quote.
Business Activity
What the business does and where work takes place may affect underwriting.
Property & Equipment
Building, inventory and equipment information may be requested.
Employees & Vehicles
Staff, payroll and business vehicles can affect applicable policies.
Prior Coverage & Claims
Insurers may request insurance history and prior claim information.
Getting Started
Start with how the business actually operates.
Business information helps identify the policies and limits that need review.
01
Describe the business.
Share business activity, locations and the type of work being performed.
02
Review property and operations.
Identify equipment, inventory, vehicles, customer activity and other business exposures.
03
Review policy choices.
Consider liability, property, income and other applicable business coverage.
04
Review the policy terms.
Check limits, deductibles, covered causes and exclusions before selecting coverage.
Business Insurance FAQ
Common questions.
Coverage needs differ by business, industry, location and insurer.
Business insurance can include general liability, commercial property, business income, professional liability, commercial auto, workers' compensation and other coverage depending on the operation.
A Business Owner's Policy, or BOP, commonly combines general liability, commercial property and business income coverage for eligible businesses. Exact coverage depends on the insurer and policy.
No. Insurance needs can vary based on the business activity, location, property, employees, vehicles, contracts and services provided.
Businesses that own or use vehicles for business purposes may need commercial auto insurance depending on vehicle ownership, use and applicable policy requirements.
Requirements differ by state and business situation. Private-employer workers' compensation programs are generally administered at the state level.
Information may include business activity, locations, property, equipment, inventory, employees, payroll, vehicles, prior coverage and claim history.
Business Insurance
Build insurance around the way your business works.
Tell Trinity about your business, property, employees and operations to begin reviewing available business insurance choices.