{"id":11,"date":"2020-04-14T16:06:13","date_gmt":"2020-04-14T21:06:13","guid":{"rendered":"http:\/\/guaranteedrate.wpengine.com\/?page_id=11"},"modified":"2025-10-17T17:17:43","modified_gmt":"2025-10-17T22:17:43","slug":"business-insurance","status":"publish","type":"page","link":"https:\/\/www.rate.com\/insurance\/business-insurance\/","title":{"rendered":"Business Insurance"},"content":{"rendered":"\t<div class=\"wp-block block-hero hero-v2 hero-refresh  bg-white \">\n\t\t<div class=\"row align-items-center\">\n\t\t\t<div class=\"col-lg-6 col-xl-5 order-2\">\n\t\t\t\t<div class=\"caption-overlay text-center text-lg-left\">\n\t\t\t\t\t\t\t\t\t\t\t<h1 class=\"title-hero\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<small>Business Insurance<\/small>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tComprehensive business insurance coverage\t\t\t\t\t\t<\/h1>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"hero-copy lead\">\n\t\t\t\t\t\t\tSimple solutions to complex risk management\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/app.boldpenguin.com\/start\/guaranteedrateinsurancellc\"  target=\"_blank\" class=\"btn btn-lg btn-primary\">\n\t\t\t\t\t\t\t\tGet a free quote\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n                            <picture class=\"hero-img col-lg-6\">\n                    <source media=\"(min-width: 768px)\" data-srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-3.png 723w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-3-200x142.png 200w\">\n                    <source data-srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-3.png 723w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-3-200x142.png 200w\">\n                    <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2025\/07\/Untitled-723-x-512-px-3.png\" class=\"img-fluid lazyload\" alt=\"\">\n                <\/picture>\n            \n                    <\/div>\n\n\t<\/div>\n\n\t<div class=\"wp-block block-logos bg-200\">\n        <div class=\"container\">\n            <div class=\"content-logos\">\n                                    <h2 class=\"title-block mb-1 mb-md-0\">\n                        We are dedicated to helping businesses safeguard what&#8217;s important. Get custom business insurance coverage from top-rated carriers.                    <\/h2>\n                                <ul class=\"list-unstyled list-logos row mb-0  justify-content-between\">\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/liberty-mutual-logo.png\" width=\"221\" height=\"57\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/travelers@2x-v2.png\" width=\"155\" height=\"45.5\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/hartford-logo.png\" width=\"71\" height=\"70\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/chubb@2x.png\" width=\"150\" height=\"16\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/nationwide@2x.png\" width=\"66\" height=\"70\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                                <li class=\"\">\n                                                                <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/progressive@2x.png\" width=\"165\" height=\"20\" alt=\"\" class=\"img-fluid lazyload\">\n                                                            <\/li>\n                                    <\/ul>\n                                            <\/div>\n        <\/div>\n\t<\/div>\n\n\n\n\t<div class=\"wp-block block-columns block-column-modals bg-200 \">\n        <div class=\"container\">\n                            <header class=\"header-section\">\n                    <div>\n                        <h2 style=\"text-align: center\">We build a program to fit to your business to help manage potential risks.<\/h2>\n                    <\/div>\n                <\/header>\n                                                        <div class=\"row\">\n                                                                    <div class=\"item-column col-md-6 col-lg-3\">\n                            <div class=\"column-content bg-white\">\n                                                                    <h3 class=\"title-content\">\n                                        Business Owners                                    <\/h3>\n                                                                <p>Protect your small business with commercial property insurance, business income, and general liability insurance all in one convenient policy.<\/p>\n                                                                    <button type=\"button\" class=\"btn btn-link text-blueprint text-left\" data-toggle=\"modal\" data-target=\"#columnModal1\" data-backdrop=\"false\">\n                                        Learn more\n                                    <\/button>\n                                                            <\/div>\n                        <\/div>\n                                                    <div class=\"modal modal-column fade\" id=\"columnModal1\" tabindex=\"-1\" aria-labelledby=\"columnModalTitle1\" aria-hidden=\"true\">\n                                <div class=\"modal-dialog modal-xl modal-dialog-centered\">\n                                    <div class=\"modal-content\">\n                                        <div class=\"modal-header\">\n                                            <p class=\"modal-title text-center font-weight-bold\" id=\"columnModalTitle1\">Reasons to consider a Business Owners Policy<\/p>\n                                            <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n                                                <svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g id=\"\ud83d\udc41\ufe0f-Icon\/Interface\/Close\" fill=\"#25282A\"><path d=\"M20.707 4.707a1 1 0 00-1.414-1.414L12 10.586 4.707 3.293a1 1 0 00-1.414 1.414L10.586 12l-7.293 7.293a1 1 0 101.414 1.414L12 13.414l7.293 7.293a1 1 0 001.414-1.414L13.414 12l7.293-7.293z\" id=\"Color\"\/><\/g><\/g><\/svg>\n                                            <\/button>\n                                        <\/div>\n                                        <div class=\"modal-body\">\n                                            <div class=\"row\">\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Protect your tech <\/strong><\/p>\n<p>Do you have business equipment such as computers, printers and furniture? Also work with big data, you have exposure that other business policies might miss. Rest assured that the technology you rely on is protected.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>General liability <\/strong><\/p>\n<p>If you, your employees, customers or property may be physically hurt on your premises or in the course of business, general liability coverage will help your business recover from any lawsuits.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Property ownership <\/strong><\/p>\n<p>If you own the building at which you work, your insurance coverage needs to reflect that.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Employee dishonesty <\/strong><\/p>\n<p>If you have employees with access to clients\u2019 property, the right plan could protect your business from theft.<\/p>\n<\/div>\n                                            <\/div>\n                                        <\/div>\n                                        <div class=\"modal-footer justify-content-center\">\n                                            <button type=\"button\" class=\"btn btn-outline-primary border-0 btn-lg\" data-dismiss=\"modal\">Close<\/button>\n                                                                                            <a href=\"https:\/\/app.boldpenguin.com\/start\/guaranteedrateinsurancellc\" class=\"btn btn-lg btn-primary\" target=\"_blank\">Get a quote<\/a>\n                                                                                    <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                                                                                    <div class=\"item-column col-md-6 col-lg-3\">\n                            <div class=\"column-content bg-white\">\n                                                                    <h3 class=\"title-content\">\n                                        Workers Compensation                                    <\/h3>\n                                                                <p>Coverage for the costs associated with an on-the-job injury or liability claims from employees.<\/p>\n                                                                    <button type=\"button\" class=\"btn btn-link text-blueprint text-left\" data-toggle=\"modal\" data-target=\"#columnModal2\" data-backdrop=\"false\">\n                                        Learn more\n                                    <\/button>\n                                                            <\/div>\n                        <\/div>\n                                                    <div class=\"modal modal-column fade\" id=\"columnModal2\" tabindex=\"-1\" aria-labelledby=\"columnModalTitle2\" aria-hidden=\"true\">\n                                <div class=\"modal-dialog modal-xl modal-dialog-centered\">\n                                    <div class=\"modal-content\">\n                                        <div class=\"modal-header\">\n                                            <p class=\"modal-title text-center font-weight-bold\" id=\"columnModalTitle2\">Reasons to consider a Workers Compensation Policy<\/p>\n                                            <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n                                                <svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g id=\"\ud83d\udc41\ufe0f-Icon\/Interface\/Close\" fill=\"#25282A\"><path d=\"M20.707 4.707a1 1 0 00-1.414-1.414L12 10.586 4.707 3.293a1 1 0 00-1.414 1.414L10.586 12l-7.293 7.293a1 1 0 101.414 1.414L12 13.414l7.293 7.293a1 1 0 001.414-1.414L13.414 12l7.293-7.293z\" id=\"Color\"\/><\/g><\/g><\/svg>\n                                            <\/button>\n                                        <\/div>\n                                        <div class=\"modal-body\">\n                                            <div class=\"row\">\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Medical coverage <\/strong><\/p>\n<p>Includes doctor visits, hospital care, prescription medications, physical therapy, and other medical treatments.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Disability <\/strong><\/p>\n<p>Provides a partial replacement of income lost when workers are unable to work due to an on-the-job injury. The disability may be temporary or permanent, and partial or total.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Vocational rehabilitation<\/strong><\/p>\n<p>Enables workers who cannot return to their prior occupation to learn a new skill based on their current capabilities.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Death benefits <\/strong><\/p>\n<p>These benefits are afforded to the spouse and minor children of a worker killed on the job.<\/p>\n<\/div>\n                                            <\/div>\n                                        <\/div>\n                                        <div class=\"modal-footer justify-content-center\">\n                                            <button type=\"button\" class=\"btn btn-outline-primary border-0 btn-lg\" data-dismiss=\"modal\">Close<\/button>\n                                                                                            <a href=\"https:\/\/app.boldpenguin.com\/start\/guaranteedrateinsurancellc\" class=\"btn btn-lg btn-primary\" target=\"_blank\">Get a quote<\/a>\n                                                                                    <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                                                                                    <div class=\"item-column col-md-6 col-lg-3\">\n                            <div class=\"column-content bg-white\">\n                                                                    <h3 class=\"title-content\">\n                                        Professional Liability                                    <\/h3>\n                                                                <p>Protect your company from legal actions arising from claims of negligence, errors, and delayed, incomplete, or unsatisfactory work.<\/p>\n                                                                    <button type=\"button\" class=\"btn btn-link text-blueprint text-left\" data-toggle=\"modal\" data-target=\"#columnModal3\" data-backdrop=\"false\">\n                                        Learn more\n                                    <\/button>\n                                                            <\/div>\n                        <\/div>\n                                                    <div class=\"modal modal-column fade\" id=\"columnModal3\" tabindex=\"-1\" aria-labelledby=\"columnModalTitle3\" aria-hidden=\"true\">\n                                <div class=\"modal-dialog modal-xl modal-dialog-centered\">\n                                    <div class=\"modal-content\">\n                                        <div class=\"modal-header\">\n                                            <p class=\"modal-title text-center font-weight-bold\" id=\"columnModalTitle3\">Reasons to consider a Professional Liability Policy<\/p>\n                                            <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n                                                <svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g id=\"\ud83d\udc41\ufe0f-Icon\/Interface\/Close\" fill=\"#25282A\"><path d=\"M20.707 4.707a1 1 0 00-1.414-1.414L12 10.586 4.707 3.293a1 1 0 00-1.414 1.414L10.586 12l-7.293 7.293a1 1 0 101.414 1.414L12 13.414l7.293 7.293a1 1 0 001.414-1.414L13.414 12l7.293-7.293z\" id=\"Color\"\/><\/g><\/g><\/svg>\n                                            <\/button>\n                                        <\/div>\n                                        <div class=\"modal-body\">\n                                            <div class=\"row\">\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Negligence <\/strong><\/p>\n<p>This option protects against lawsuits filed over alleged or actual negligence related to your services that result in financial damages for your client.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Attorney fees <\/strong><\/p>\n<p>Providing advice for clients can create complications situations when everything hinges on your word. When something goes wrong and a claim is filed against you, this policy can ensure that you have the resources for a legal defense.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Copyright infringement<\/strong><\/p>\n<p>We can do are best to ensure that all copyright laws and regulations are respected, however, there is still the risk of a mistake, misunderstanding, or oversight leading to the infringement of another entity\u2019s copyright.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Personal injury <\/strong><\/p>\n<p>Different from bodily injury, this type of suit seeks compensation for financial losses resulting from your actions, i.e. saying or writing something negative or false about another company or person.<\/p>\n<\/div>\n                                            <\/div>\n                                        <\/div>\n                                        <div class=\"modal-footer justify-content-center\">\n                                            <button type=\"button\" class=\"btn btn-outline-primary border-0 btn-lg\" data-dismiss=\"modal\">Close<\/button>\n                                                                                            <a href=\"https:\/\/app.boldpenguin.com\/start\/guaranteedrateinsurancellc\" class=\"btn btn-lg btn-primary\" target=\"_blank\">Get a Quote<\/a>\n                                                                                    <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                                                                                    <div class=\"item-column col-md-6 col-lg-3\">\n                            <div class=\"column-content bg-white\">\n                                                                    <h3 class=\"title-content\">\n                                        Commercial Auto                                    <\/h3>\n                                                                <p>Protect your business-owned vehicles with commercial auto insurance that covers accidents, liability, theft, vandalism, and property damage.<\/p>\n                                                                    <button type=\"button\" class=\"btn btn-link text-blueprint text-left\" data-toggle=\"modal\" data-target=\"#columnModal4\" data-backdrop=\"false\">\n                                        Learn more\n                                    <\/button>\n                                                            <\/div>\n                        <\/div>\n                                                    <div class=\"modal modal-column fade\" id=\"columnModal4\" tabindex=\"-1\" aria-labelledby=\"columnModalTitle4\" aria-hidden=\"true\">\n                                <div class=\"modal-dialog modal-xl modal-dialog-centered\">\n                                    <div class=\"modal-content\">\n                                        <div class=\"modal-header\">\n                                            <p class=\"modal-title text-center font-weight-bold\" id=\"columnModalTitle4\">Reasons to consider a Commercial Auto Policy<\/p>\n                                            <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n                                                <svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g id=\"\ud83d\udc41\ufe0f-Icon\/Interface\/Close\" fill=\"#25282A\"><path d=\"M20.707 4.707a1 1 0 00-1.414-1.414L12 10.586 4.707 3.293a1 1 0 00-1.414 1.414L10.586 12l-7.293 7.293a1 1 0 101.414 1.414L12 13.414l7.293 7.293a1 1 0 001.414-1.414L13.414 12l7.293-7.293z\" id=\"Color\"\/><\/g><\/g><\/svg>\n                                            <\/button>\n                                        <\/div>\n                                        <div class=\"modal-body\">\n                                            <div class=\"row\">\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Auto liability <\/strong><\/p>\n<p>Protects you and your company by paying for bodily injury or property damages.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Medical payments <\/strong><\/p>\n<p>Providing advice for clients can Pays medical expenses, up to your coverage limit, for you, your employees and your passengers arising from motor vehicle accidents \u2013 regardless of who is at fault.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Collision coverage <\/strong><\/p>\n<p>Pays for damage to your vehicle from another vehicle whether you hit another vehicle or object, or another vehicle hits you.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Uninsured and underinsured motorist coverage <\/strong><\/p>\n<p>Pays for medical expenses, loss of income and other damages owed to you, your employees or your passengers.<\/p>\n<\/div>\n                                            <\/div>\n                                        <\/div>\n                                        <div class=\"modal-footer justify-content-center\">\n                                            <button type=\"button\" class=\"btn btn-outline-primary border-0 btn-lg\" data-dismiss=\"modal\">Close<\/button>\n                                                                                            <a href=\"https:\/\/app.boldpenguin.com\/start\/guaranteedrateinsurancellc\" class=\"btn btn-lg btn-primary\" target=\"_blank\">Get a quote<\/a>\n                                                                                    <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                                                                                    <div class=\"item-column col-md-6 col-lg-3\">\n                            <div class=\"column-content bg-white\">\n                                                                    <h3 class=\"title-content\">\n                                        Commercial Property                                    <\/h3>\n                                                                <p>Protection that covers your buildings, facilities, and more from property damage and liability claims.<\/p>\n                                                                    <button type=\"button\" class=\"btn btn-link text-blueprint text-left\" data-toggle=\"modal\" data-target=\"#columnModal5\" data-backdrop=\"false\">\n                                        Learn more\n                                    <\/button>\n                                                            <\/div>\n                        <\/div>\n                                                    <div class=\"modal modal-column fade\" id=\"columnModal5\" tabindex=\"-1\" aria-labelledby=\"columnModalTitle5\" aria-hidden=\"true\">\n                                <div class=\"modal-dialog modal-xl modal-dialog-centered\">\n                                    <div class=\"modal-content\">\n                                        <div class=\"modal-header\">\n                                            <p class=\"modal-title text-center font-weight-bold\" id=\"columnModalTitle5\">Reasons to consider a Commercial Property Policy<\/p>\n                                            <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n                                                <svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g id=\"\ud83d\udc41\ufe0f-Icon\/Interface\/Close\" fill=\"#25282A\"><path d=\"M20.707 4.707a1 1 0 00-1.414-1.414L12 10.586 4.707 3.293a1 1 0 00-1.414 1.414L10.586 12l-7.293 7.293a1 1 0 101.414 1.414L12 13.414l7.293 7.293a1 1 0 001.414-1.414L13.414 12l7.293-7.293z\" id=\"Color\"\/><\/g><\/g><\/svg>\n                                            <\/button>\n                                        <\/div>\n                                        <div class=\"modal-body\">\n                                            <div class=\"row\">\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Building space <\/strong><\/p>\n<p>Pays for repairs or replacement of building damage (whether leased or owned) for construction and affixed items including furnaces, electrical, and plumbing.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Building content <\/strong><\/p>\n<p>Covers costs of damage or loss to all items not attached to the property and held within or on the premises, such as furniture, inventory, and supplies.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Other people\u2019s property <\/strong><\/p>\n<p>Protects items held under the care of the business, custody, or control.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Signs and marquees <\/strong><\/p>\n<p>Repair or replace signs and marquees, whether attached to the building or free-standing, due to damage or loss from vandalism, wind, theft, or fire.<\/p>\n<\/div>\n                                            <\/div>\n                                        <\/div>\n                                        <div class=\"modal-footer justify-content-center\">\n                                            <button type=\"button\" class=\"btn btn-outline-primary border-0 btn-lg\" data-dismiss=\"modal\">Close<\/button>\n                                                                                            <a href=\"https:\/\/app.boldpenguin.com\/start\/guaranteedrateinsurancellc\" class=\"btn btn-lg btn-primary\" target=\"_blank\">Get a quote<\/a>\n                                                                                    <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                                                                                    <div class=\"item-column col-md-6 col-lg-3\">\n                            <div class=\"column-content bg-white\">\n                                                                    <h3 class=\"title-content\">\n                                        General Liability                                    <\/h3>\n                                                                <p>Coverage that protects you and your company from business risks that can result from the use of your products, services, or business operations.<\/p>\n                                                                    <button type=\"button\" class=\"btn btn-link text-blueprint text-left\" data-toggle=\"modal\" data-target=\"#columnModal6\" data-backdrop=\"false\">\n                                        Learn more\n                                    <\/button>\n                                                            <\/div>\n                        <\/div>\n                                                    <div class=\"modal modal-column fade\" id=\"columnModal6\" tabindex=\"-1\" aria-labelledby=\"columnModalTitle6\" aria-hidden=\"true\">\n                                <div class=\"modal-dialog modal-xl modal-dialog-centered\">\n                                    <div class=\"modal-content\">\n                                        <div class=\"modal-header\">\n                                            <p class=\"modal-title text-center font-weight-bold\" id=\"columnModalTitle6\">Reasons to consider a General Liability Policy<\/p>\n                                            <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n                                                <svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g id=\"\ud83d\udc41\ufe0f-Icon\/Interface\/Close\" fill=\"#25282A\"><path d=\"M20.707 4.707a1 1 0 00-1.414-1.414L12 10.586 4.707 3.293a1 1 0 00-1.414 1.414L10.586 12l-7.293 7.293a1 1 0 101.414 1.414L12 13.414l7.293 7.293a1 1 0 001.414-1.414L13.414 12l7.293-7.293z\" id=\"Color\"\/><\/g><\/g><\/svg>\n                                            <\/button>\n                                        <\/div>\n                                        <div class=\"modal-body\">\n                                            <div class=\"row\">\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Third-party bodily injury <\/strong><\/p>\n<p>Do you have business equipment such as computers, printers and furniture? Rest assured that the technology you rely on is protected.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Third-party property damage <\/strong><\/p>\n<p>Your employees damage someone else\u2019s property. For instance, if your landscaping business is cutting down trees in a customer\u2019s yard and one of them falls on the neighbor\u2019s fence.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Advertising injury or copyright infringement <\/strong><\/p>\n<p>If you use someone else\u2019s work in your advertisement without permission, you can get sued. You can also get sued if your business ads defame someone else or another business.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Reputational harm <\/strong><\/p>\n<p>If a competitor claims that something you said in an advertisement or interview negatively impacted their business, you may be protected from any resultant lawsuits.<\/p>\n<\/div>\n                                            <\/div>\n                                        <\/div>\n                                        <div class=\"modal-footer justify-content-center\">\n                                            <button type=\"button\" class=\"btn btn-outline-primary border-0 btn-lg\" data-dismiss=\"modal\">Close<\/button>\n                                                                                            <a href=\"https:\/\/app.boldpenguin.com\/start\/guaranteedrateinsurancellc\" class=\"btn btn-lg btn-primary\" target=\"_blank\">Get a quote<\/a>\n                                                                                    <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                                                                                    <div class=\"item-column col-md-6 col-lg-3\">\n                            <div class=\"column-content bg-white\">\n                                                                    <h3 class=\"title-content\">\n                                        Umbrella and Excess                                    <\/h3>\n                                                                <p>For businesses needing additional coverage above and beyond underlying policies.<\/p>\n                                                                    <button type=\"button\" class=\"btn btn-link text-blueprint text-left\" data-toggle=\"modal\" data-target=\"#columnModal7\" data-backdrop=\"false\">\n                                        Learn more\n                                    <\/button>\n                                                            <\/div>\n                        <\/div>\n                                                    <div class=\"modal modal-column fade\" id=\"columnModal7\" tabindex=\"-1\" aria-labelledby=\"columnModalTitle7\" aria-hidden=\"true\">\n                                <div class=\"modal-dialog modal-xl modal-dialog-centered\">\n                                    <div class=\"modal-content\">\n                                        <div class=\"modal-header\">\n                                            <p class=\"modal-title text-center font-weight-bold\" id=\"columnModalTitle7\">Reasons to consider a Umbrella and Excess Policy<\/p>\n                                            <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n                                                <svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g id=\"\ud83d\udc41\ufe0f-Icon\/Interface\/Close\" fill=\"#25282A\"><path d=\"M20.707 4.707a1 1 0 00-1.414-1.414L12 10.586 4.707 3.293a1 1 0 00-1.414 1.414L10.586 12l-7.293 7.293a1 1 0 101.414 1.414L12 13.414l7.293 7.293a1 1 0 001.414-1.414L13.414 12l7.293-7.293z\" id=\"Color\"\/><\/g><\/g><\/svg>\n                                            <\/button>\n                                        <\/div>\n                                        <div class=\"modal-body\">\n                                            <div class=\"row\">\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Legal costs<\/strong><\/p>\n<p>In the event of a high claim situation, your Umbrella and Excess Policy can help cover costs associated with various legal fees.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Medical bills<\/strong><\/p>\n<p>If your company faces a high injury claim, your Umbrella and Excess Policy can help cover medical bills.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Damage to other property<\/strong><\/p>\n<p>In the event that another individual\u2019s property is damaged, your policy can help cover the repair costs.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Settlement costs<\/strong><\/p>\n<p>After an agreement has been reached, your policy can help cover the judgment or settlement costs.<\/p>\n<\/div>\n                                            <\/div>\n                                        <\/div>\n                                        <div class=\"modal-footer justify-content-center\">\n                                            <button type=\"button\" class=\"btn btn-outline-primary border-0 btn-lg\" data-dismiss=\"modal\">Close<\/button>\n                                                                                            <a href=\"https:\/\/app.boldpenguin.com\/start\/guaranteedrateinsurancellc\" class=\"btn btn-lg btn-primary\" target=\"_blank\">Get a quote<\/a>\n                                                                                    <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                                                                                    <div class=\"item-column col-md-6 col-lg-3\">\n                            <div class=\"column-content bg-white\">\n                                                                    <h3 class=\"title-content\">\n                                        Management Liability                                    <\/h3>\n                                                                <p>Additional protection for those running your business.<\/p>\n                                                                    <button type=\"button\" class=\"btn btn-link text-blueprint text-left\" data-toggle=\"modal\" data-target=\"#columnModal8\" data-backdrop=\"false\">\n                                        Learn more\n                                    <\/button>\n                                                            <\/div>\n                        <\/div>\n                                                    <div class=\"modal modal-column fade\" id=\"columnModal8\" tabindex=\"-1\" aria-labelledby=\"columnModalTitle8\" aria-hidden=\"true\">\n                                <div class=\"modal-dialog modal-xl modal-dialog-centered\">\n                                    <div class=\"modal-content\">\n                                        <div class=\"modal-header\">\n                                            <p class=\"modal-title text-center font-weight-bold\" id=\"columnModalTitle8\">Reasons to consider a Management Liability Policy<\/p>\n                                            <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n                                                <svg aria-hidden=\"true\" width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><g id=\"Symbols\" stroke=\"none\" stroke-width=\"1\" fill=\"none\" fill-rule=\"evenodd\"><g id=\"\ud83d\udc41\ufe0f-Icon\/Interface\/Close\" fill=\"#25282A\"><path d=\"M20.707 4.707a1 1 0 00-1.414-1.414L12 10.586 4.707 3.293a1 1 0 00-1.414 1.414L10.586 12l-7.293 7.293a1 1 0 101.414 1.414L12 13.414l7.293 7.293a1 1 0 001.414-1.414L13.414 12l7.293-7.293z\" id=\"Color\"\/><\/g><\/g><\/svg>\n                                            <\/button>\n                                        <\/div>\n                                        <div class=\"modal-body\">\n                                            <div class=\"row\">\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Crime insurance<\/strong><\/p>\n<p>Your Management Liability Policy can help protect your assets from theft or fraud internally and externally.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Directors and Officer protection<\/strong><\/p>\n<p>Protect your executives against claims from competitors, stakeholders, or any third-party that may be a threat.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Cyber insurance<\/strong><\/p>\n<p>Protect yourself and your company from a cyber attack and breach of sensitive information.<\/p>\n<\/div>\n                                                <div class=\"col-md-6 col-lg-3\"><p><strong>Fiduciary liability insurance<\/strong><\/p>\n<p>Protect the company and your employees if a claim is filed against you, this can also extend to the fiduciary relationship between an attorney and their client.<\/p>\n<\/div>\n                                            <\/div>\n                                        <\/div>\n                                        <div class=\"modal-footer justify-content-center\">\n                                            <button type=\"button\" class=\"btn btn-outline-primary border-0 btn-lg\" data-dismiss=\"modal\">Close<\/button>\n                                                                                            <a href=\"https:\/\/app.boldpenguin.com\/start\/guaranteedrateinsurancellc\" class=\"btn btn-lg btn-primary\" target=\"_blank\">Get a quote<\/a>\n                                                                                    <\/div>\n                                    <\/div>\n                                <\/div>\n                            <\/div>\n                                                                                        <\/div>\n                <\/div>\n                    <\/div>\n\t<\/div>\n\n\t<div class=\"wp-block block-testimonials v2\">\n        <div class=\"container\">\n                            <div class=\"title-block\">\n                    <h2 style=\"text-align: center\"><span class=\"text-brand-base\">4.9 stars<\/span><br \/>\nrating from 5k+ Google verified reviews<\/h2>\n<p style=\"text-align: center\">We\u2019ve helped thousands find the perfect insurance and we\u2019d like to help you too.<\/p>\n                <\/div>\n                                    <div class=\"v2-swiper-wrapper\">\n                <div class=\"static-testimonials swiper-testimonials-v2\">\n                    <ul class=\"list-unstyled list-quotes\">\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">Friendly, knowledgeable, quick and professional&#8230;<\/div>\n\t\t\t\t\t\t\t\t    <p>WOW! I can&#8217;t even begin to say thank you to my Commercial Insurance agent who worked so hard to help my husband&#8217;s company obtain the insurance he needed. She was friendly, knowledgeable, quick and professional. Communication was exemplary, and her dedication to helping us find the right insurance surpassed our expectations! Thank you so much!\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Liz J                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">She is seriously one of the easiest people ever to work with&#8230;<\/div>\n\t\t\t\t\t\t\t\t    <p>Thank you for putting me in touch with a Commercial Insurance agent.\u00a0 Not only did she know what she was doing, but she got it done quickly and followed through.\u00a0 She is seriously one of the easiest people ever to work with.\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Betsy U                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t\t\t<li class=\"swiper-slide\">\n                                <blockquote class=\"blockquote order-2\">\n                                    <div class=\"quote-excerpt\">You&#8217;re my favorite Agent. Your patience and understanding is greatly appreciated&#8230;<\/div>\n\t\t\t\t\t\t\t\t    <p>I got my personal auto with you guys as well just finished it. You\u2019re my favorite Agent. Your patience and understanding is greatly appreciated\u201d<\/p>\n                                    <footer class=\"blockquote-footer\">Lorinda H                                                                                    <strong class=\"d-block verified\">Verified Customer<\/strong>\n                                                                            <\/footer>\n                                <\/blockquote>\n\t\t\t\t\t\t\t<\/li>\n                        \t\t\t\t\t<\/ul>\n                <\/div>\n                \n                            <\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n\t<div class=\"wp-block block-cta-v2 mb-7 container \">\n            <div class=\"row align-items-center\">\n                <div class=\"col-lg-10\">\n                                            <picture>\n                            <source media=\"(min-width: 768px)\" data-srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/biz-agent-image@2x.jpg 1543w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/biz-agent-image@2x-768x332.jpg 768w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/biz-agent-image@2x-1024x443.jpg 1024w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/biz-agent-image@2x-1536x665.jpg 1536w, https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/biz-agent-image@2x-1440x623.jpg 1440w\">\n                            <source data-srcset=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/biz-agent-mobile@2x.jpg\">\n                            <img data-src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/09\/biz-agent-image@2x.jpg\" class=\"img-fluid lazyload\" alt=\"\">\n                        <\/picture>\n                    \n                <\/div>\n                <div class=\"col-md-10 col-lg-5 copy-callout\">\n                    <h2>Ready to protect your investment?<\/h2>\n<p>Get started with a free consultation to find the best coverage for your business.<\/p>\n<p class=\"lead\"><strong>Call <a href=\"tel:855-721-1915\">(855) 721-1915<\/a><\/strong><\/p>\n                <\/div>\n            <\/div>\n    <\/div>\n\n<div class=\"container wp-block block-related-posts\">\n                <aside class=\"post-aside post-tags text-xs \">\n                                    <h2 class=\"title-related\">Related Posts<\/h2>\n                                <ul class=\"list-unstyled row\">\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-9362 post type-post status-publish format-standard has-post-thumbnail hentry category-business tag-small-business\" id=\"post-9362\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2022\/04\/Blog-Graphic-1027-x-441-46-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/business\/\" rel=\"category tag\">Business<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/cybersecurity-insurance-for-small-business\/\" rel=\"bookmark\" class=\"text-dark\">Does my business need cybersecurity insurance?<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Cybercrime is increasingly common and ransomware, a criminal practice in which hackers gain access to a company\u2019s vulnerable systems and hold them hostage demanding a ransom payment, is a rapidly growing threat. There are a number of myths surrounding cybercrime and how it impacts small businesses. In this article, we will dispel some of these myths, and show you how you can protect your small business with cybersecurity insurance.<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/cybersecurity-insurance-for-small-business\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about Does my business need cybersecurity insurance?<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-7950 post type-post status-publish format-standard has-post-thumbnail hentry category-business tag-small-business\" id=\"post-7950\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2021\/10\/sm-business-519x330.jpg\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/business\/\" rel=\"category tag\">Business<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/what-the-delta-variant-means-for-small-business-insurance-needs\/\" rel=\"bookmark\" class=\"text-dark\">What the Delta Variant Means for Small Business Insurance Needs<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>The economic disruption caused by the COVID-19 pandemic is far from over.  While the availability of safe and effective vaccines did nudge the economy back on track, the reality is that viruses mutate \u2014 and we\u2019re now grappling with the effects of emerging variants. What does the delta variant mean for small businesses?<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/what-the-delta-variant-means-for-small-business-insurance-needs\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about What the Delta Variant Means for Small Business Insurance Needs<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                            <li class=\"col-md-6 col-lg-4\">\n                            \n<article class=\"rounded-lg post-10740 post type-post status-publish format-standard has-post-thumbnail hentry category-news\" id=\"post-10740\">\n\n    <img loading=\"lazy\" decoding=\"async\" width=\"519\" height=\"330\" src=\"https:\/\/www.rate.com\/insurance\/wp-content\/uploads\/2023\/05\/Untitled-design-97-519x330.png\" class=\"rounded-lg img-fluid mb-2 wp-post-image\" alt=\"\" \/>\n\t<header class=\"entry-header mb-1\">\n        <div class=\"entry-meta text-xs\">\n            <span class=\"cat-links\"><a href=\"https:\/\/www.rate.com\/insurance\/category\/news\/\" rel=\"category tag\">News<\/a><\/span>        <\/div><!-- .entry-meta -->\n\n\t\t<h2 class=\"entry-title h3\"><a href=\"https:\/\/www.rate.com\/insurance\/resources\/guaranteed-rate-insurance-new-digital-api\/\" rel=\"bookmark\" class=\"text-dark\">Guaranteed Rate Digital API Enables Business Partners to Offer Value-Added Insurance Products at Checkout<\/a><\/h2>\t<\/header><!-- .entry-header -->\n\n\t<div class=\"entry-content text-sm\">\n\t\t<p>Rate Insurance&#8217;s new API provides a method for its business partners to cater to its customers&#8217; insurance needs by seamlessly connecting storefronts with authorized insurance agents who have already prepared a range of preliminary coverage choices. This innovative tool ensures consumers can access, review and purchase competitive insurance policies precisely when protection is required or highly recommended.<\/p>\n        <p><a href=\"https:\/\/www.rate.com\/insurance\/resources\/guaranteed-rate-insurance-new-digital-api\/\" class=\"btn btn-sm btn-outline-primary\">Read more<span class=\"sr-only\"> about Guaranteed Rate Digital API Enables Business Partners to Offer Value-Added Insurance Products at Checkout<\/span><\/a><\/p>\n\t<\/div><!-- .entry-content -->\n\n<\/article><!-- #post-## -->\n                        <\/li>\n                                                        <\/ul>\n            <\/aside>\n            <\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":true,"inline_featured_image":false,"footnotes":""},"class_list":["post-11","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How much business insurance coverage do I need? | Rate.com<\/title>\n<meta name=\"description\" content=\"Business insurance simplified. We work with the nation&#039;s top carriers to customize your insurance coverage to minimize risk without impacting the bottom line\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rate.com\/insurance\/business-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How much business insurance coverage do I need? | Rate.com\" \/>\n<meta property=\"og:description\" content=\"Business insurance simplified. We work with the nation&#039;s top carriers to customize your insurance coverage to minimize risk without impacting the bottom line\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rate.com\/insurance\/business-insurance\/\" \/>\n<meta property=\"og:site_name\" content=\"Rate.com\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-17T22:17:43+00:00\" \/>\n<meta name=\"author\" content=\"blueshoon\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.rate.com\/insurance\/#organization\",\"name\":\"Guaranteed Rate Insurance\",\"url\":\"https:\/\/www.rate.com\/insurance\/\",\"sameAs\":[],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.rate.com\/insurance\/#\/schema\/logo\/image\/\",\"url\":\"\",\"contentUrl\":\"\",\"caption\":\"Guaranteed Rate Insurance\"},\"image\":{\"@id\":\"https:\/\/www.rate.com\/insurance\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.rate.com\/insurance\/#website\",\"url\":\"https:\/\/www.rate.com\/insurance\/\",\"name\":\"Rate.com\",\"description\":\"Find car, home, business or life insurance\",\"publisher\":{\"@id\":\"https:\/\/www.rate.com\/insurance\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.rate.com\/insurance\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.rate.com\/insurance\/business-insurance\/#webpage\",\"url\":\"https:\/\/www.rate.com\/insurance\/business-insurance\/\",\"name\":\"How much business insurance coverage do I need? | Rate.com\",\"isPartOf\":{\"@id\":\"https:\/\/www.rate.com\/insurance\/#website\"},\"datePublished\":\"2020-04-14T21:06:13+00:00\",\"dateModified\":\"2025-10-17T22:17:43+00:00\",\"description\":\"Business insurance simplified. We work with the nation's top carriers to customize your insurance coverage to minimize risk without impacting the bottom line\",\"breadcrumb\":{\"@id\":\"https:\/\/www.rate.com\/insurance\/business-insurance\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.rate.com\/insurance\/business-insurance\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.rate.com\/insurance\/business-insurance\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Business Insurance\"}]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How much business insurance coverage do I need? | Rate.com","description":"Business insurance simplified. We work with the nation's top carriers to customize your insurance coverage to minimize risk without impacting the bottom line","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.rate.com\/insurance\/business-insurance\/","og_locale":"en_US","og_type":"article","og_title":"How much business insurance coverage do I need? | Rate.com","og_description":"Business insurance simplified. We work with the nation's top carriers to customize your insurance coverage to minimize risk without impacting the bottom line","og_url":"https:\/\/www.rate.com\/insurance\/business-insurance\/","og_site_name":"Rate.com","article_modified_time":"2025-10-17T22:17:43+00:00","author":"blueshoon","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Organization","@id":"https:\/\/www.rate.com\/insurance\/#organization","name":"Guaranteed Rate Insurance","url":"https:\/\/www.rate.com\/insurance\/","sameAs":[],"logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.rate.com\/insurance\/#\/schema\/logo\/image\/","url":"","contentUrl":"","caption":"Guaranteed Rate Insurance"},"image":{"@id":"https:\/\/www.rate.com\/insurance\/#\/schema\/logo\/image\/"}},{"@type":"WebSite","@id":"https:\/\/www.rate.com\/insurance\/#website","url":"https:\/\/www.rate.com\/insurance\/","name":"Rate.com","description":"Find car, home, business or life insurance","publisher":{"@id":"https:\/\/www.rate.com\/insurance\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.rate.com\/insurance\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.rate.com\/insurance\/business-insurance\/#webpage","url":"https:\/\/www.rate.com\/insurance\/business-insurance\/","name":"How much business insurance coverage do I need? | Rate.com","isPartOf":{"@id":"https:\/\/www.rate.com\/insurance\/#website"},"datePublished":"2020-04-14T21:06:13+00:00","dateModified":"2025-10-17T22:17:43+00:00","description":"Business insurance simplified. We work with the nation's top carriers to customize your insurance coverage to minimize risk without impacting the bottom line","breadcrumb":{"@id":"https:\/\/www.rate.com\/insurance\/business-insurance\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.rate.com\/insurance\/business-insurance\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.rate.com\/insurance\/business-insurance\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Business Insurance"}]}]}},"_links":{"self":[{"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/pages\/11","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/comments?post=11"}],"version-history":[{"count":0,"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/pages\/11\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.rate.com\/insurance\/wp-json\/wp\/v2\/media?parent=11"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}