Walks through which coverage types actually apply to your business type, so you stop over-insuring or leaving critical gaps by guessing.
Mapping coverage types to your specific business situation means you're not over-insured in one area and exposed in another.
Backed by a 30-day money-back guarantee. If it is not useful, we will refund it, no questions asked.
Business owners either over-insure or leave critical gaps because they don't know what coverage actually applies to their specific business type. This checklist walks through the major coverage categories and explains when each one is relevant, so you can have an informed conversation with an insurance agent instead of guessing.
General Liability covers third-party injury or property damage claims, relevant to almost every business with any physical presence or client contact. Professional Liability (E&O) covers claims of negligence or mistakes in professional services, relevant if you give advice, consulting, or deliverables that could be claimed faulty. Property and Business Interruption covers physical assets and lost income if you operate from a location that could be damaged or unusable, and Workers' Compensation is required in most states the moment you have employees, though the exact threshold varies by state.
We built this because most small business owners either skip insurance entirely or buy whatever a salesperson recommends, without a framework for what actually applies to their specific situation. Knowing which categories are relevant before that conversation changes how it goes.
— DaveWays
Each major coverage category explained with when it's actually relevant, not a one-size-fits-all list.
Over-insuring on coverage you don't need, or leaving a critical gap you didn't know existed.
Understand the categories before you talk to an agent, instead of relying entirely on their recommendation.
Does this replace advice from a licensed insurance agent?
No, it's an educational checklist to prepare you for that conversation, not a substitute for advice from a licensed insurance professional.
Does this cover requirements for every state?
Workers' Compensation and other requirements vary by state; the guide flags where to check your specific state's threshold rather than listing all 50 individually.
Is this relevant for a home-based or online-only business?
Yes, though some categories (like Property coverage) apply differently; the guide notes which categories are most relevant for location-light businesses.
Small Business Insurance Checklist (Free Preview) — download a condensed version free, no purchase required, to see if it's a fit before you buy.
Small Business Insurance Checklist is $12.99 USD, one-time payment, instant delivery, no subscription. Covered by our 30-day money-back guarantee. See our refund policy and terms.
