Business Insurance Calculator

Business insurance can be tricky. Whether you're a small business just getting started or just looking for better insurance rates, GEICO can help. Answer a few short questions so we can help narrow down the search with you.

Question 1 of 7

Do you own a business or are you starting a business?

We can help protect you whether you're a local handyman, a family restaurant, or an accountant.

Question 2 of 7

Great, let me ask you this: Does your business own or rent a physical building, storefront, office, or warehouse?

Question 3 of 7

Do you provide professional services or give advice to clients?

A few examples are Personal Trainers, Real Estate Agents, and IT Professionals.

Question 4 of 7

Are you a healthcare or wellness professional?

A few examples are Nurse Practitioners, Physician Assistants, and Physical Therapists.

Question 5 of 7

Halfway there: Do you use any vehicles in the course of your work?

Such as: taking your tools and supplies to a job site, delivering goods, transporting clients, or other business use with your car

Question 6 of 7

Does your business have employees?

Question 7 of 7

Thanks for hanging in there. Last question, do you currently do ridesharing or on-demand delivery, such as Uber, Lyft, Amazon Flex, Grub Hub, Postmates, or similar program?

Phew, that wasn't so bad.

Sometimes businesses need more coverage than others. Based on what we have here, it looks like you could use:

Oh no. Looks like we took a wrong turn somewhere.

Based on your responses you may be interested in learning more about the below products. If there's nothing listed you can also visit geico.com for more information on other products.

Business Owners Policy (BOP)

If you have business property like contents, inventory, or a storefront a BOP policy may be best for you.

In addition to 3rd party liability coverage in the event of a claim, this policy combines:

  • Damage to business property
  • Defense costs
  • Income loss, and more
Start BOP Quote

General Liability Insurance

No matter where you work, your businesses should have liability insurance. This policy provides protection for your business in the event of a 3rd party claim for property damage, bodily injury, and lawsuits costs for covered losses.

Start General Liability Quote

If you're looking for additional coverage for:

  • Product inventory
  • Business materials
  • Property

A Business Owners Policy (BOP) could be a better fit.

Start BOP Quote

Professional Liability Insurance

If your business provides professional advice you'll want to add this coverage. Professional Liability covers negligence claims that could arise from your services, even if you haven't made a mistake.

Start Professional Liability Quote

Commercial Auto Insurance

If your company owns vehicles that are used as a part of your job, you'll need Commercial Auto Insurance.

Start Commercial Auto Quote

Workers' Compensation Insurance

If you have employees you're required by law in most states to carry this coverage for an employee's medical expenses, lost wages, and rehabilitation services that result from a workplace injury or illness.

Start Workers Comp Quote

Medical Malpractice Insurance

If you're a healthcare or wellness professional, protect yourself and your career with a Medical Malpractice policy.

Start Medical Malpractice Quote

Rideshare Insurance

Personal auto policies don't cover you if you're driving for money. This includes ridesharing and on-demand delivery drivers. Check out our ridesharing insurance to get the coverage you need.

Start Rideshare Quote

Already know what you need? See all of our Business Insurance products.

Business Owners Policy (BOP)

Two coverages you need, combined in a single policy. See why businesses trust GEICO to help them with their business insurance needs with coverage for:

  • Bodily injury or property damage
  • Defense costs for covered liability losses
  • Business furniture and equipment

Start Quote

General Liability Insurance/CGL

CGL can help cover your business while performing normal operations. Coverages include:

  • Physical injury liability
  • Property damage liability
  • Lawsuits costs for covered losses

Start Quote

Professional Liability Insurance

From Personal Trainers to IT Consultants, you need Professional Liability Insurance (PL), also called Errors & Omissions (E&O) insurance. This coverage protects you for:

  • Mistakes or advice your company makes in business
  • Legal defense costs
  • Services completed

Start Quote

Workers' Compensation

This coverage is mandatory if your business has employees. Workers' comp covers a business' employees if they're injured at work. In general, policies cover: 

  • Lost wages
  • Medical expenses
  • Rehabilitation expenses

Start Quote

Medical Malpractice Insurance

Quick, easy, comprehensive coverage for groups and individuals working as Nurse Practitioners, Physician Assistants, Nurse Anesthetists (CRNAs), Registered Nurses, Optometrists, Physical Therapists, Yoga Instructors, Personal Trainers, Nursing Students, and other medical professionals. What's included:

  • Protection against claims of negligence
  • Defense counsel costs
  • Professional reputation coverage

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Commercial Auto Insurance

If the driver of a vehicle uses it for their job, work or business, you need a commercial policy. You may need commercial coverage if:

  • The vehicle is used to transport goods or people
  • The vehicle is used to perform a service
  • Employees drive the vehicle

Start Quote

Rideshare Insurance And On-Demand Delivery

Take the worry out of who is covering you and when you're covered. GEICO created one policy that protects you all the time.

  • Covered while working and not
  • Peace-of-mind knowing you're always covered by GEICO
  • Same great policy and claims service GEICO is known for

Start Quote