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Commercial Insurance

Business insurance tailored to your industry

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What's included

  • Business Owner's Policy (BOP)
  • Commercial property and liability
  • Cyber and professional liability
  • Industry-specific specialty coverage
$1,200
Average customer savings

What's included

Everything you need from commercial coverage

Business Owner's Policy (BOP)

Commercial property and liability

Cyber and professional liability

Industry-specific specialty coverage

Why CoverageCompare

A smarter way to shop commercial insurance

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How it works

Quotes in 3 simple steps

1

Tell us about your needs

Share a few quick details about your commercial coverage needs. Under 2 minutes.

2

Get matched with agents

We connect you with top-rated carriers and licensed agents in your state.

3

Compare and choose

Review competing quotes side-by-side, ask questions, and pick the best fit.

Every business faces unique risks — from property damage and liability claims to cyber attacks and professional errors. Commercial insurance protects your business assets, employees, and reputation so that a single incident doesn't threaten everything you've built. Covrable works with carriers that specialize in businesses of every size and industry to find you the right coverage at a competitive price.

What is a Business Owner's Policy (BOP)?

A Business Owner's Policy bundles general liability and commercial property insurance into a single, affordable package designed for small and medium-sized businesses. It covers bodily injury and property damage claims from third parties, damage to your business property, business interruption (lost income if you have to close due to a covered loss), and sometimes additional coverages like equipment breakdown. BOPs are typically cheaper than buying each coverage separately and are available for most low-to-medium-risk businesses.

Types of Commercial Insurance Coverage

Beyond a BOP, businesses often need additional specialized coverage. Commercial auto insurance covers vehicles used for business purposes. Professional liability (Errors & Omissions) covers claims that your professional advice or services caused a financial loss. Cyber liability insurance covers data breaches, ransomware attacks, and related costs — increasingly important for any business that handles customer data. Employment practices liability (EPLI) covers claims of discrimination, harassment, or wrongful termination. Directors and Officers (D&O) insurance protects company leadership from personal liability.

How Much Does Commercial Insurance Cost?

Commercial insurance costs vary enormously based on your industry, revenue, number of employees, location, claims history, and coverage needs. A small retail store might pay $500–$1,500/year for a BOP, while a construction company might pay $10,000+ for combined general liability and workers' comp. Getting multiple quotes is especially important for commercial coverage because carrier pricing models vary significantly by industry and class code.

Industry-Specific Commercial Coverage

Many industries have unique insurance requirements. Contractors need general liability with completed operations coverage. Restaurants need liquor liability and food spoilage coverage. Healthcare businesses need medical malpractice (professional liability). Tech companies need cyber liability and technology E&O. Our carrier network includes specialists in dozens of industries who understand the unique risks your business faces.

FAQ

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