From baseline GL to complete BOP.
General Liability
Third-party bodily injury, property damage, advertising injury. Covers slip-and-fall, libel, copyright accusations.
Errors & Omissions
Professional liability for advice or work product. Covers client claims that your service caused them harm.
Workers Comp
Required by law in most states once you have employees. Pays medical + lost wages for on-job injuries.
Cyber Liability
Data breach response, ransomware, regulatory fines. Increasingly required by enterprise customers.
Property + BOP
Office/warehouse property + business interruption. Often bundled as Business Owner Policy.
Pre-filled from your BOS. 3-4 carriers compete.
Pre-filled application
Entity, state, industry, revenue, employee count: auto-pulled from your BOS. Confirm 2-3 industry-specific questions.
Sent to 3-4 carriers
Pre-vetted carriers (Hiscox, Next, Embroker, Coalition) underwrite in parallel. Most return quotes within 24 hours.
Compare side-by-side
Each quote shown with limits, premium, deductible, exclusions. BosAI highlights best-fit per coverage type.
Bind + pay in BOS
One-click bind. Monthly billing within your BOS. Policy documents stored in Document Vault.
Common questions.
Why does my business need insurance?
Insurance is the first line of protection, absorbing many claims, accidents, lawsuits, property damage, before your entity's liability shield is ever tested, so it works alongside your LLC or corporation rather than instead of it. We flag how insurance and entity structure protect you together as part of a sound risk plan.
What types of business insurance are there?
Common types include general liability, professional liability, property, workers' compensation, and umbrella coverage, plus specialized policies like cyber or directors and officers, so the mix depends on your business. We flag which coverages fit your operations so you are protected where you are actually exposed.
Does an LLC replace the need for insurance?
No: an LLC protects your personal assets from business claims, but insurance covers the business's own losses and many claims before the shield matters, so you generally need both. We flag how the two work together so you are not relying on structure alone for protection.
What is general liability insurance?
General liability covers common third-party claims like bodily injury, property damage, and certain advertising injuries, and it is foundational for most businesses. We flag whether it fits your operations so your business has the baseline coverage most customers and landlords expect.
Do I need professional liability insurance?
If you provide advice or professional services, professional liability (errors and omissions) covers claims that your work caused a client loss, which general liability does not. We flag whether your services warrant it so you are covered for the mistakes your profession is exposed to.
Is workers' compensation required?
In most states, yes, once you have employees: workers' compensation is generally mandatory and covers work-related injuries, so hiring triggers the requirement. We flag your obligation as part of setting up to hire so your business meets the requirement where it applies.
How much insurance do I need?
It depends on your industry, size, assets, and risk, and requirements from clients, landlords, or lenders can set minimums, so coverage should match your actual exposure. We flag the considerations so you carry appropriate coverage rather than too little or needlessly too much.
How does insurance fit with my overall risk plan?
Insurance, proper entity structure, and, where warranted, additional planning together form a layered approach to protecting your business and personal assets. We flag how coverage complements your entity and asset protection so you are protected across the risks that matter.
Can File.Business help me get set up to be protected?
We form and organize the entity that anchors your protection and flag the insurance coverages, general liability, professional liability, workers' comp, and specialized policies, that fit your business, coordinating with insurance providers, so your risk plan combines structure and coverage.