Business Insurance by State
Find business insurance coverage where you live
Understanding insurance can be tough, but we're here to make it simple. We quote business insurance in 49 states and can help you get coverage that works for you.
Explore the list below to learn about business insurance options and requirements in your state.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Business insurance requirements by state
States set their own rules about what types of business insurance you need, so it's important to consider where you live when getting a policy. Commonly required coverages include:
Workers' compensation
Every state has workers' compensation insurance requirements, but the specifics vary. The rules usually depend on how many employees a business has.
For example, New York law requires businesses with one or more employees to have coverage. In contrast, Missouri regulations say companies only need coverage if they have five or more employees.
Texas workers' comp rules are a little different overall. Businesses with government contracts need coverage, but most others don't.
Learn more about who needs workers' comp insurance and browse state workers' compensation insurance requirements.
General liability
General liability insurance is the most common type of business insurance. It protects your company against third-party claims related to injury, property damage, and more.
While there is no blanket requirement, some states might require this coverage for licensing and other contracts.
Other business insurance coverages
Even if your state doesn't require other types of business insurance, it's a good idea to match your policy to your specific needs. Consider the following options when getting a quote:
- Business owners policy (BOP): A business owners policy combines liability and property coverage into one package. It's a good fit for small businesses that rent or own commercial property, such as restaurants and stores.
- Professional liability: Professional liability insurance protects businesses that offer advice and services from claims of negligence or bad advice. This coverage can benefit professions like accountants, real estate agents, and lawyers.
- Cyber insurance: Protect against computer attacks, data breaches, and more with cyber insurance. If your business stores sensitive customer information, like credit card numbers or addresses, you should consider this coverage.
- Commercial auto insurance: If you use your vehicle for business, you'll probably need commercial auto insurance in your state. This customizable policy can help cover claims related to accidents, property damage, theft, and more.
How to get business insurance in your state
Progressive Commercial partners with trusted carriers to create a business insurance policy that meets your needs. We stay on top of state requirements and can offer suggestions based on your industry and type of work.
Get business insurance in your state by connecting with an agent or calling us at 1-888-806-9598. You can also start a quote online.
