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Small Business
Insurance

Small business insurance is a set of policies that protect a company’s property, income, employees and legal exposure. Most owners start with general liability or a business owner’s policy (BOP), which bundles property and liability coverage, then add commercial auto, workers’ compensation, professional liability or cyber coverage as needed. Clopton Insurance Services helps small businesses compare options and build a package.

Protect your company’s future with reliable small business insurance designed to safeguard operations, assets, and growth.

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Many small businesses struggle to grow despite putting in tremendous effort. Eventually, they find themselves on the brink of bankruptcy. The reason for this is not far-fetched. Being small businesses or startups, they are exposed to too many risks. If you are a small business owner, what you need to scale the hurdles of business is a winning small business insurance policy. For coverage on the building itself, see our commercial property insurance.

Small business insurance, also called commercial insurance, protects business owners, employees, property, and income. With the right small business insurance, you can safeguard your operations and avoid unexpected financial losses. As insurance brokers at Clopton Capital, we help you compare small business insurance options and build a package that fits your business. Here are some small business insurance policies we arrange that every small business should have to thrive in their respective industries:

Small business insurance paperwork being filled out with a pen.

General Liability Coverage for Small Business Insurance

This insurance coverage is one every small business needs to have. General liability insurance covers the risk of damages or lawsuits. This will come in handy if your actions or that of your workers negatively affect a third party, either by causing them physical harm or damaging property.

Property Coverage Through Small Business Insurance

The last thing you want for your business is to lose your property (which you probably got loans to acquire) to fire, theft, or anything that could destroy them. So, you want to insure your property against any possible risk they could be exposed to.

Business owner’s policy (BOP)

This insurance package is a robust one that contains all the necessary coverages and policies you need as a business owner. It often includes liability insurance, vehicle insurance, crime insurance, business interruption insurance, among other coverages. You can select the options you want your BOP to cover based on your business’s needs. This way, you get to save more money as it costs lesser than the individual coverages altogether.

Commercial Auto Coverage for Small Business Insurance

This insurance provides protection for your business vehicles. If your workers use their personal cars on the company’s business, you can get non-owned auto liability insurance. Commercial auto insurance covers damages to company cars, delivery trucks, and all other vehicles you are using in running your business smoothly.

Worker’s Compensation

When an employee is hurt at work, workers’ compensation pays their medical costs and part of their lost wages. In most states, accepting these benefits limits the employee’s right to sue the employer.

Professional Liability Insurance

This insurance plan is also regarded as the Errors and Omissions Insurance. You should know that this coverage is not covered by general liability insurance, so you have to get it separately. With this insurance package, you’re protected from the inability to give a professional service or claims that your services are not satisfactory enough. If your business is a professional firm, such as law, real estate, consultancy, accounting, and the likes, this insurance policy is just for you.

Data Breach

By storing your customers’ and workers’ information, you expose yourself to certain risks such as data breaches and thefts. This insurance covers the loss involved if you ever find yourself in this situation.

Property Insurance for Small Businesses

We arrange all types of property insurance, from the building and equipment your business uses to properties you rent out to tenants, with competitive coverage options from our insurance network.

Small Business Insurance – Life Coverage

The death of an owner or key person can close down a small business. Life insurance pays a death benefit to a named beneficiary, which can cover debts, fund a partner buyout or keep the business running.

Commercial Umbrella Insurance

If you already have business insurance but need higher liability limits, commercial umbrella insurance adds extra liability cover above your general liability, commercial auto and employer’s liability policies.
Owner-operators securing commercial mortgages for commercial properties

Protect Your Small Business Today

Safeguard your employees, property, vehicles, and income with a comprehensive small business insurance package tailored to your needs. Contact us at 866-647-1650.

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Insurance is arranged by Clopton Insurance Services, LLC, an insurance brokerage that arranges coverage through insurance carriers. It does not underwrite or issue policies.

Small Business Insurance FAQ

What does small business insurance cover?

Coverage may include general liability, property, business owner’s policy (BOP), commercial auto, workers’ compensation, professional liability, data breach, life insurance, and commercial umbrella insurance.

Yes. A BOP bundles essential coverages like liability, property, business interruption, and crime insurance, often at a lower cost than individual policies.

Yes. It protects company-owned vehicles, delivery trucks, and can cover non-owned vehicles used for business purposes.

Yes. Professional Liability (Errors & Omissions) Insurance covers claims arising from unsatisfactory services or mistakes, especially for law, real estate, consultancy, and accounting businesses.

Yes. Data breach insurance protects your business if customer or employee information is lost or stolen.

Life insurance ensures continuity by transferring your insured assets to a beneficiary, preventing business closure due to the loss of an owner.