Business Insurance

Business insurance, also known as commercial insurance, can help protect your business from unexpected expenses related to property damage, legal liability, workers' compensation, and more. Whether you are just starting out and shopping for a small business insurance or just looking for better rates or coverage, having the right insurance policy can make all the difference when you really need it. Help protect your business against financial risk with a business insurance policy that's right for you.

View our Business Insurance Products

Business Insurance Calculator

Getting business insurance can be tricky, but GEICO is here to help. Just answer a few short questions about your business and its insurance needs so we can help find the best policy or policies for you. Or, if you already know what you need, browse our entire line of business insurance policies.

Contact Us

If you wish to speak with a Spanish speaking insurance specialist, contact us at (866) 509-9444, select option 7.

Please note:

Select option 2 to start. Followed by option 2 for new quotes, option 5 for all other products, and 3 for Commercial policies.

Colorado residents:

Select option 1 to start. Followed by option 2 for new quotes, option 5 for all other products, and 3 for Commercial policies.

Question 1 of 6

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 6

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

Question 3 of 6

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 6

Are you a healthcare or wellness professional?

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

Question 5 of 6

Almost 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 6

Thanks for hanging in there. Last question, does your business have employees?

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

Cyber Liability Insurance

Protects businesses from computer-related attacks, such as malware, phishing, ransomware or if a laptop with confidential information is stolen. To quote, call (800) 448-8244

Start Cyber Liability Quote

Business Insurance Policies

Business insurance can vary depending on the type of business and who it serves. GEICO offers business insurance coverage for almost any business, including liability coverage, commercial vehicle insurance, and even cyber liability insurance. Browse our selection below to get more information about the business insurance that's right for you!

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

Start Quote

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

Cyber Liability Insurance

Protects businesses from computer-related attacks, such as malware, phishing, ransomware or if a laptop with confidential information on it is stolen. To quote, call (800) 448-8244

Start Quote

Business Insurance FAQs

  • Why do I need business insurance?
    Business insurance covers the costs of property damage and liability claims. Without business insurance, you could pay exorbitant out-of-pocket costs for damages or claims against your enterprise.
  • What does business insurance cover?
    Business insurance comes in many forms. What your commercial insurance policy covers will depend on the type of business you own and the coverage you choose. Generally, business insurance is designed to cover bodily injury or medical expenses, libel, slander, defending lawsuits, and settlements from court claims.
  • What kind of business insurance do I need?
    General liability insurance is typically a good idea for most businesses. If you have a company car, commercial auto insurance is a necessity.
  • What is business insurance?
    Business insurance is a type of coverage that protects businesses from financial losses due to unexpected events, liabilities, or risks. It consists of a range of policies tailored to meet diverse business needs, including general liability, property, professional liability, and workers' compensation insurance. The primary goal of business insurance is to safeguard assets, ensure financial stability, and mitigate risks inherent in business operations.
  • How much is business insurance?
    The cost of business insurance varies depending on several factors, including the size and type of the business, its location, industry, annual revenue, number of employees, coverage limits, and risk factors associated with its operations. Small businesses generally pay between hundreds and thousands of dollars annually for coverage, while large enterprises may face much higher premiums due to their increased exposure to risks and greater financial stakes. Businesses should obtain quotes from multiple insurance providers to compare prices and ensure they're getting the coverage they need at a competitive rate.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Business insurance coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC.
The information you provide will be shared with our business partners so that they can return a quote.

If you choose to get a rate quote online, you will be taken to the business partner's website. The website is not owned by GEICO Insurance Agency LLC. Any information that you provide directly to business partner on its website is subject to the privacy policy posted on that website, which you should read before proceeding. GEICO Insurance Agency LLC assumes no responsibility for their privacy practices or your use of either website.