Business Insurance

Whether you're a small business just getting started or just looking for better insurance rates, GEICO can help. We also have coverage for rideshare and on-demand delivery drivers. Our licensed agents can help you find the coverage you need at a great price.

Business insurance can be tricky. Answer a few short questions in our business insurance tool below, so we can help narrow down the search 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

  • 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

Business Insurance Calculator

Not sure which business insurance to choose?

Let's work together to help you figure out what business insurance is right for your business.

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

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 5 of 6

Does your business have employees?

Question 6 of 6

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.

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

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

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

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

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.

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.

GEICO Insurance Agency, Inc. has partnered with Hiscox Insurance to provide business insurance products. All business products offered are written on an admitted basis (Hiscox Insurance Co., Inc.) with A.M. Best credit rating of 'A' (Excellent) and financial size XI.

GEICO Insurance Agency, Inc. has partnered with biBERK, a Berkshire Hathaway company to provide Workers' Compensation insurance products. All workers' compensation products offered are written on an admitted basis (biBERK, a Berkshire Hathaway company) with A.M. Best credit rating of 'A' (Excellent) and financial size XI.

GEICO Insurance Agency, Inc. can help you secure business insurance except in Hawaii. We can help you secure Workers' Compensation insurance in all states except Hawaii, Maine, North Dakota, New Mexico, Ohio, Washington, and Wyoming.

Commercial, rideshare, and on-demand delivery coverage is underwritten by Government Employees Insurance Company. In some cases coverage is provided through the GEICO Insurance Agency, Inc., either under an arrangement with Berkshire Hathaway affiliates or with non-affiliated insurance companies. Some discounts, coverages, payment plans and features are not available in all states - check state availability. Government Employees Insurance Company is a subsidiary of Berkshire Hathaway Inc. GEICO: Washington, DC 20076