Business Owners’ (BOP) Insurance

With weSure you can get covered in minutes and save up to 25% on your business insurance.

Business Insurance We Cover

Want Protection for Every Rainy Day?
Better Bundle Up.

Our BOP Insurance combines general liability with commercial property insurance into one convenient and cost-effective package.

BOP Insurance Designed for the 21st Century Small Business Owner

Affordable Insurance Rates


Save money with SMB coverages tailored specifically for YOU — our policies start at $49/mo.

Quick Insurance Quotes

Get a BOP quote in minutes, see packages in seconds, and secure your commercial policy right away.

Designed for Small Business Owners

Our laser focus and decades of small business experience mean we understand what you require.

100% Digital

Get your BOP online, right from the comfort of your desk.

Small Business Insurance Quote

Low insurance rates

Save money with coverage tailored specifically for SMBs — our small business insurance cost starts at $49/mo.

Quick Insurance Quotes

Get a business insurance quote in minutes, see packages in seconds, and secure your commercial policy right away.

Built for Small Business Owners

Unlike other insurance companies, WeSure is built specifically for small businesses. Our laser focus and decades of small business experience means we understand what you require.

100% Digital

Get your small business insurance online, right from the comfort of your desk. No wait times, processing delays, or hours waiting on hold.

General Liability Insurance

The General Liability Section of our BOP package policy mainly covers the most common risks that affect today’s small businesses, including:

Liability insurance

Accidental Customer Injuries

If a customer slips, trips or otherwise sustains bodily injury on your premises.

Advertising Damages

Advertising Damages

If you are taken to court for using improper images or copyright infringement in your advertising.

Property Damage

Property Damage

Damage caused by you to equipment, furniture or fixtures of a third party.

Reputational Liability

Reputational Liability

Covers libel, slander and defamation lawsuits by a client.

Legal Fees

Legal Fees

Covers your legal defense costs and fees if someone sues your business. This is important, since businesses can be sued even when it’s not clear that they were liable for any damage caused.

Commercial Property Coverage

The Commercial Property Section of our BOP package policy mainly covers business goods, equipment, furniture or fixtures, inventory as well as damage to the structure of your property, including:

Inventory Damages

Inventory Damages

If an occurrence at your warehouse or retail location, like water damage or fire, damages or destroys your inventory.

Theft of Goods

Theft of Goods

If someone steals items or equipment that you use to run your business.

Equipment Breakdown

Equipment Breakdown

Coverage for the shutting down of vital equipment such as an HVAC system.

Income Interruptions

Income Interruptions

If your property is damaged and you need to shut down your business operations for an extended period of time, causing you a loss of income due to covered losses.

Building Damage

Building Damage

If part of your commercial building is destroyed accidentally.

Additional Coverages You Can Add to Your Business Owner’s Policy Insurance

There are a number of Additional Coverages that can be easily selected and added to your Business Owner’s Policy as part of our online purchasing process, to help tailor coverage to your specific business needs. For each business type and occupation, the Additional Coverages are categorized into Recommended and Optional Coverages, and for each you can easily see the recommended limit amounts and the corresponding specific additional price.

Our most popular Commercial Property Additional Coverages include:

Outdoor Signs

Outdoor Signs

This coverage protects you in case of physical damage due to a covered loss to outdoor signage that serves various purposes.

Money & Securities

Money & Securities (On & Off Premises)

This coverage pays for loss of money and securities used in your business, due to theft, disappearance or destruction on-premises or anywhere else.

Identity Fraud

Identity Fraud

This coverage pays up to the limit chosen for the sum of all expenses incurred by you as the direct result of all acts of identity fraud, first discovered or learned of during the policy period.

Employees’ Tools

Employees’ Tools

This provides coverage for employees’ tools which are used in connection with your operations, and are added as business personal property. Such property is covered while away from the described premises.

Our Most Popular General Liability Additional Coverages Include:

Professional Liability

Professional Liability

This coverage is available for select business types and occupations, and it can help cover bodily injury, property damage or personal and advertising injury arising out of the rendering of or failure to render applicable professional services in connection with the operation of your business.

Hired & Non-Owned Auto Liability

Hired & Non-Owned Auto Liability

Hired Auto Coverage applies to bodily injury or property damage arising out of the maintenance or use of a hired vehicle by you or your employees in the course of your business. Similarly, Non-Owned Auto Coverage applies to bodily injury or property damage arising out of the use of any non-owned vehicle in your business by any person.

Electronic Data Liability

Electronic Data Liability

This provides coverage against damages due to loss of electronic data that is caused by an electronic data incident. Loss of electronic data means damage to, loss of use of, corruption of, inability to access, or inability to properly manipulate, electronic data.

STOP GAP

STOP GAP / Employers Liability

This coverage provides employers liability protection for work-related injuries arising out of exposures in monopolistic fund states (fund workers compensation policies do not provide employers liability coverage). For employers operating exclusively in a monopolistic fund state (such as Ohio), this coverage can be added to the employer’s liability section of a BOP policy.

Pre-Built Packages for Commercial Business Insurance

Single Click plans customized to your specific needs, based on the thousands of small business classes we insure.

For Many Small Business Owners

weSure Essential Plan

Foundational coverages for property damage, liability, income loss and cyber with basic limits.

weSure Standard Plan

Recommended plan with expanded coverage and higher limits.

weSure Premium Plan

Comprehensive coverage with extensive bundled endorsements  and our highest available limits.

The Commercial Property and General Liability Insurance That Business Owners Need

Workers Compensation Insurance

Ensure your business adheres to the mandatory Workers Comp insurance requirements of your state. This insurance pays for medical care and lost wages resulting from work-related injuries.

Employers Liability Coverage

Protect your business against lawsuits related to employee work-related injuries or illnesses. Covering legal costs and settlements if an employee sues your business for negligence.

Cyber Insurance

Safeguard your business from wide range of cyber threats. Get protection with weSure’s first- and third-party coverages for a wide range of cyber exposures.

WeSure’s Commercial Insurance, Explained

Why do I need liability insurance and commercial property insurance?

To protect your hard-earned progress. If something unexpected happens to your business, the damages can devastate your bank account balance. Commercial insurance ensures that unforeseen events won’t wipe away months (or even years) of progress.

Yes — even for a side business, insurance coverage is just as important. Even if you’re running your business from home. Your side business is vulnerable to risks that can significantly drain your bank account. Insurance ensures unexpected incidents don’t jeopardize your financial security.

Most commonly, small businesses need the following coverages: General liability insurance (if people or property are damaged on your premises), property insurance (if your property or equipment is damaged, lost, or stolen), business interruption insurance (if you lose income due to an unexpected event), professional liability insurance (to protect against claims of negligence, errors, or inadequate work).

Most small business owners ask this, so we make it surprisingly easy to figure out the coverage you need. When you get a quote, we’ll provide coverage package recommendations specifically tailored to your industry, business size, and your specific needs.

Yes! Industries such as medical and dental practices, restaurants, service providers, beauty and nail salons, laundries and dry cleaners, retail shops, and professional offices all have potential exposure to unique risks that require specialized coverage. We offer packages designed specifically for these business types to address these unique professional and business needs.

Our BOP plans start at $49 per month. Your small business insurance cost will depend on factors such as coverage type, business size, industry, location, claim history, and other specific risk factors. The best way to figure out how much your small business insurance will cost is to get a quote.

Getting small business insurance online is easier, faster, and more affordable. You can get a quote, compare coverage options, and get a policy, all from the comfort of your home or office.

Yes! Our online business insurance process is designed for speed and convenience. You can get a policy within minutes of getting a quote, without any processing delays or waiting periods.

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