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Benjamin Franklin founded the first insurance company in 1751 in the United States.
Business insurance protects businesses from the financial losses associated with unexpected events, including property damage, lawsuits, loss of income, theft, employee injuries and illnesses, and workers’ compensation. Put simply, in cases of injury or damage, your business insurance reimburses your company, either fully or partially, for the costs. Think of business insurance as a layer of protection.
“Business insurance”—sometimes called commercial insurance—is an umbrella term, not the name of a business insurance policy you can buy. In fact, when you start researching business insurance, you might notice there are nearly as many types of policies as there are businesses. Depending on the type of insurance you need and the policies you choose, business insurance can cover: