Business Insurance Center
Small Business Package
Business Owner’s Policy
A packaged option that may combine general liability, property, and business income coverage for eligible businesses.
Employee Protection
Workers Compensation
Coverage for qualifying work-related employee injuries and occupational illnesses, subject to state requirements.
Business Liability
General Liability
Protection for qualifying third-party bodily injury, property damage, and other covered liability claims.
Products & Sales
Product Liability
Coverage considerations for claims alleging that a product caused bodily injury or property damage.
Advice & Services
Professional Liability
Protection for qualifying claims involving professional mistakes, alleged negligence, or errors and omissions.
Buildings & Property
Property Insurance
Coverage for eligible buildings, business property, equipment, inventory, and related property exposures.
Digital Risk
Cyber Insurance
Coverage for qualifying data breaches, ransomware, cyber incidents, privacy claims, and digital business interruption.
Real Estate Operations
Real Estate Business
Insurance options for real estate professionals and businesses with liability, property, E&O, and cyber exposures.
Unoccupied Property
Vacant Buildings
Specialized coverage for qualifying commercial properties that are vacant, between tenants, or awaiting their next use.
Multifamily Property
Apartment Buildings
Coverage for apartment buildings, premises liability, rental income, building property, and related ownership exposures.
Food & Hospitality
Restaurants/Bars
Coverage for restaurant and bar property, customer liability, liquor exposure, employees, equipment, and business income.
Stores & Merchandise
Retail Stores
Insurance for inventory, customer traffic, business property, product exposure, cyber risk, and retail operations.
Automotive Businesses
Auto Repair Shop & Garage Insurance
Garage liability, garagekeepers, shop property, workers compensation, and coverage for customer vehicles.
Higher Liability Limits
Excess/Umbrella
An additional layer of liability protection above qualifying underlying business insurance policies.
Licensing & Compliance
Surety Bonds
Bond options for licensing, permits, compliance, transportation, importing, court requirements, and other obligations.
Need Help Choosing Coverage?
Talk With Best Formula Insurance
Tell us how your business operates and we can help you review available liability, property, workers compensation, specialty, and industry-specific insurance options.
More Business Options
Explore Business Insurance by Industry
Looking for coverage built around a specific type of business? Visit the Business Industries section for additional industry-specific insurance options and specialized coverage pages.
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