Business insurance protects you from the unexpected costs of running a business. Accidents, natural disasters and lawsuits can affect you if you are not properly insured.
The federal government requires that all businesses with employees have unemployment, unemployment and disability insurance. Some states also need more help. Laws requiring coverage vary by state, so check your state's website to find out what your business needs.
Most businesses require liability insurance, and your state laws may require workers' compensation insurance and commercial auto insurance. But it depends on your business, where you work, the type of assets you own, etc. You may need other types of coverage depending on the nature of the business.
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