Running a small business is a big responsibility, and protecting it is just as important as growing it. Whether you operate a local shop, manage a service business, or run a home-based company, the right small business insurance can safeguard your livelihood from unexpected risks.

At Brownrigg Insurance Agency, we specialize in helping local business owners find affordable and reliable coverage that fits their specific needs. Here’s a breakdown of the key insurance policies every small business owner should consider.

1. General Liability Insurance

General liability insurance is the foundation of most business insurance plans. It helps protect your business from claims of bodily injury, property damage, or personal injury caused by your operations, products, or services. For example, if a customer slips and falls at your store, or a contractor accidentally damages a client’s property, this coverage can help pay for medical costs, legal fees, and repairs.

2. Commercial Property Insurance

Whether you own or lease your workspace, commercial property insurance covers your building, equipment, furniture, and inventory against losses from fire, theft, or natural disasters. Even home-based businesses may need this protection if their homeowners' insurance doesn’t cover business-related assets.

3. Business Owner’s Policy (BOP)

A Business Owner’s Policy (BOP) combines general liability and property insurance into one convenient and cost-effective package. Many small business owners choose a BOP because it simplifies coverage and often comes at a lower premium than purchasing separate policies. Some BOPs also offer add-ons for business interruption insurance, which helps replace lost income if you’re forced to temporarily close due to a covered event.

4. Workers’ Compensation Insurance

If you have employees, most states require workers’ compensation insurance. This coverage helps pay for medical bills and lost wages if an employee gets injured or becomes ill due to their job. Having this policy not only keeps your business compliant but also shows your team that you value their safety and well-being.

5. Commercial Auto Insurance

If your business uses vehicles for deliveries, client visits, or equipment transport, commercial auto insurance is essential. Personal auto policies typically don’t cover vehicles used for business purposes. Commercial auto insurance can protect you from costs related to accidents, vehicle damage, or injuries involving your company’s cars or trucks.

6. Professional Liability Insurance

Also known as Errors and Omissions (E&O) insurance, this policy is critical for businesses that provide professional advice or services, such as consultants, accountants, or contractors. It covers claims of negligence, errors, or inadequate work that result in a client’s financial loss.

7. Cyber Liability Insurance

Even small businesses are vulnerable to cyberattacks and data breaches. Cyber liability insurance helps cover the costs of recovering lost data, notifying affected customers, and handling legal expenses related to a breach. As more small businesses rely on digital tools and online transactions, this coverage is becoming increasingly important.

Protect What You’ve Worked Hard to Build

Your business represents years of hard work, investment, and dedication — don’t leave it unprotected. At Brownrigg Insurance Agency, we help small business owners across East Texas find the right coverage at the best price. Our experienced insurance agents take time to understand your operations and recommend policies tailored to your needs. Whether you’re just starting out or expanding, we’ll make sure you have the protection your business deserves.