Small Business Insurance

Do I need insurance for my small business?

The short answer is yes. Regardless of what industry you're in, business insurance protects what you’ve built. Owning a business is hard, and odds are that while you're reading about insurance, you have a long list of other things to do to run your business. Insurance may not be your passion, but it is ours. Let us make it easy on you by providing you not only the information you need to navigate the business insurance world, but by doing the quote shopping for you, for free!

What kind of insurance do I need?

Workers' Compensation

Workers' Compensation insurance helps protect your business from the costs associated with an employee injured at work. Typically, it would pay for medical bills and recovery costs, as well as some of the missed wages. In the event of a death, Workers’ Compensation insurance can help with the costs of the funeral or death benefits to the employee’s family. Workers’ Comp can also help cover legal expenses if an employee sues the business over an injury that isn’t covered by the policy. Each state's requirements are a little different, but virtually all states require Workers' Comp insurance coverage by law.

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Liability & Property

Liability insurance helps protect your business from things that happen to other people. Depending on what you do, it covers people slipping and falling at your business location, getting sick from something you served them, or harm caused by your company. Litigation can be messy and is almost always expensive, so liability insurance will help you sleep at night. Liability and Property insurance are typically bundled (referred to as a BOP). Property insurance protects your stuff. Theft, fire, water damage, a meteor - whatever it is, a good property insurance policy will protect your valuables since you can’t be there all the time.

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Frequently Asked Questions

Talage uses your basic business information and connects directly and instantly to our insurance carrier partners. We can then provide you with coverage and cost options online immediately, without the need for a middle man. In other words, your number and email won't be given to dozens of insurance agents. We take care of the shopping for you so you can feel confident that you're making an informed decision about the insurance for your business. Go ahead and get your quotes.
Nothing! Talage is compensated by our insurance carrier partners after you select your policy. Your quotes are never marked up to cover our compensation - so you can rest assured you're getting the best value by shopping for business insurance through Talage.
Every state is different. You can access the information for your state by using our handy map below.

The thing to remember about Workers' Compensation is that even if your state doesn’t require insurance, you are still liable. Talage recommends that anyone with employees buys Workers' Compensation.
You will file your claim directly with the insurance carrier you purchase a policy through. We can help facilitate that and help along the way with communication between you and the insurance company.
Talage will automatically reach out to you prior to your policy renewal and make sure everything is still going great. If you are worried about your policy premium pricing, we can instantly compare market prices for you, saving you the energy of calling agents and getting new quotes year after year.
Can you? We hope you do! And we’ll pay you for it. Talage’s referral program will reward our customers for talking about Talage to your friends!
Thats okay, you can still check out Talage and if we can do a better job getting you quotes, great! If not, at least you know your agent is working hard for you. If you want to take advantage of Talage’s automatic savings and shopping technologies, we can become your agent.
We're all about efficiencies, so we've launched our Customer Center to make your life easier. Log in to download your insurance certificates or manage policy information (payroll, payment, contact info or request additional insured). Easy peezy!

What are the insurance requirements for small businesses in my state?

Laws and requirements for business insurance varies from state to state. Select your state to view our guide. You'll be better informed and you can search for quotes instantly.