Common Questions
Small Business Insurance — Questions Answered
There are no dumb questions when it comes to protecting your business and your family. Here are the ones we answer most — and if yours isn't here, we'd love to hear it directly.
Honest Answers, No Sales Pitch
Insurance can feel overwhelming — especially when you're running a business and trying to make smart decisions with limited time. These are the questions we hear most from business owners like you, answered as plainly as we know how.
Most small business owners pay between $40–$100 per month for general liability insurance, depending on your industry, revenue, and location. Consultants and coaches often land on the lower end. The best way to know your exact number is a quick conversation — we'll look at your specific situation and find coverage that fits your budget.
Yes — and this surprises a lot of people. Your homeowner's or renter's policy does not cover business-related losses. If a client visits your home and gets injured, or if your business equipment is stolen, a standard home policy won't pay out. A home-based business rider or a separate commercial policy fills that gap affordably.
General liability covers physical incidents — a client trips in your office, property gets damaged. Professional liability (also called E&O) covers the advice and services you provide — if a client claims your work caused them financial harm. Many business owners need both, but which one comes first depends on what you do.
Start with the essentials: general liability to protect against everyday accidents, and professional liability if you provide services or advice. If you have employees, workers' comp is required in most states. As your business grows, we'll revisit and layer in additional coverage — you don't have to figure it all out on day one.
Absolutely — and this is one of the most overlooked pieces of a complete protection strategy. A business life insurance policy can cover outstanding debts, fund a buy-sell agreement with a partner, or simply ensure your family isn't left managing a business they didn't plan to run. We'll help you find the right structure for your situation.
Disability insurance for the self-employed replaces a portion of your income if an illness or injury keeps you from working. Unlike employees who may have employer-sponsored coverage, business owners have to build this safety net themselves — and it's one of the most important ones to have in place before you need it.
Yes — we're licensed in all four states and serve clients across the entire region, both in person and remotely. Our home base is Saint George, Utah, but we regularly work with clients in Phoenix, Scottsdale, Las Vegas, Henderson, Reno, Los Angeles, San Diego, and everywhere in between. A free clarity call is the best first step no matter where you're located.
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