- Worry Less Insurance Agency
- Monday - Friday 9am-5pm
- 1.855.295.LESS
- Get Insured. Worry Less.
AFFORDABLE BUSINESS INSURANCE FOR CONTRACTORS, RETAILERS, AND SERVICE PROVIDERS
You Insured Your Car and Home. What About Your Business? Business? Business?
Get business insurance built for real entrepreneurs—whether you're a contractor, retailer, service provider, or consultant. Comprehensive coverage that protects against lawsuits, property damage, and lost income. Flexible plans starting at just $40/month.
WHAT HAPPENS WHEN A CUSTOMER SUES OR AN EMPLOYEE GETS INJURED?
Your Business Earns Your Income.
But One Accident Could End It All.
Your homeowners and auto insurance don’t cover business lawsuits, customer injuries, or employee accidents. One slip-and-fall, one defective product, or one professional mistake could cost you $50,000+ in legal fees alone. Without business insurance, you’re personally liable—meaning your house, savings, and personal assets are at risk.
WHAT HAPPENS TO YOUR BUSINESS WITHOUT COMMERCIAL INSURANCE PROTECTION
Your Home is Protected. Your Business May Not Be.
You’ve invested time, money, and effort into your business. Without commercial insurance, a single lawsuit or disaster wipes it out. Business insurance covers general liability, property damage, lost income, and professional mistakes—the real risks your personal policies do not.
Get Your Free Business Insurance Quote Today!
Protecting your business shouldn't take all day. Answer a few quick questions, get your free quote, and choose coverage that fits your budget. No pushy agents, no waiting around—just real answers today. One quick form. Three minute application. Real protection, for real businesses.
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#1
Protect Your Business from Lawsuits, Disasters, and Lost Income
Think about what could actually happen: A customer slips and sues for $100,000. A fire destroys $50,000 in equipment. You can’t operate for three months and lose all your income. Business insurance isn’t one thing—it’s protection against what could go wrong. General liability covers customer injuries and lawsuits. Property insurance protects your equipment, inventory, and workspace. Business income coverage replaces lost revenue when you can’t operate.
#2
Apply Online 🖱️
Get your free business insurance quote today. Compare coverage options tailored to your industry—whether you’re a contractor, retailer, or service provider. Choose protection from $500,000 to $2 million in liability coverage with flexible payment plans that fit your budget. All policies backed by “A” rated carriers, giving your business real protection, real fast.
#3
Start Your Coverage Today
You can’t predict when a customer will slip, when equipment will fail, or when disaster will strike. But you can be ready for it. Get comprehensive business insurance coverage today and protect everything you’ve worked for.
What Happens to Your Business When You Can't Afford the Lawsuit?
One lawsuit. One fire. One accident. Without insurance, you lose everything. See what happens when businesses operate without protection—and why commercial insurance is the coverage you can’t afford to skip.
AFFORDABLE BUSINESS INSURANCE PROTECTION STARTING AT JUST $40/MONTH
Don’t Let One Mishap Sink Your Business.
Ready To Get Covered?
Business insurance doesn’t have to break your budget. For less than you spend on software subscriptions or office supplies, you can protect everything you’ve built. Get comprehensive coverage starting at just $40/month.
- ✅100% Online Quotes
- ✅ Fast 3-Minute Application
- ✅ Protection Starting at Just $40/Mo.
- ✅ Coverage Backed by "A" Rated Carriers
Ready to Protect Your Small Business
Starting @ $40/Mo.?
Small business insurance doesn’t have to wreck your budget. Get comprehensive coverage starting at just $40/month.
- ✅100% Online Quotes
- ✅ Fast 3-Minute Application
- ✅ Protection Starting at Just $40/Mo.
- ✅ Coverage Backed by "A" Rated Carriers
IF YOU RUN A BUSINESS FROM HOME, YOU NEED SEPARATE COVERAGE
Got a Home Based Business? Your Home is Insured.
Your Home-Based Business May Not Be.
If you run any business from home—consulting, e-commerce, freelancing, tutoring, anything—your homeowners or renters insurance explicitly excludes coverage. That means if a client gets injured at your home office, if your business equipment is stolen, or if you’re sued for your services, your home insurance pays nothing. You need separate business insurance to protect your income, equipment, and liability.
QUESTIONS & ANSWERS
Frequently Asked Questions
What’s Covered Under Business Interruption Insurance?
Business interruption insurance helps when expected events, like fires or natural disasters, disrupt operations. It covers lost revenue, ongoing expenses like rent and payroll, and temporary relocation costs. For small businesses, this insurance is vital for maintaining business continuity and recovering from economic setbacks. To learn more, see how this coverage keeps your business resilient.
What is General Liability Insurance and Why Does It Matter?
General liability insurance protects businesses from claims involving third-party injuries, property damage, and advertising issues. It is essential for business protection, covering legal fees, medical expenses, and damages, ensuring financial stability and peace of mind.
How Does Business Interruption Insurance Differ from Property Insurance?
While both business interruption insurance and property insurance offer essential financial protection for businesses, they focus on different aspects. Property insurance covers physical damages to assets, like buildings, equipment, or inventory, caused by events such as fires or natural disasters. On the other hand, business interruption insurance protects against the financial losses that arise when operational downtime prevents you from generating income. This includes coverage for lost revenue, ongoing expenses like rent or payroll, and temporary relocation costs. Together, these policies provide comprehensive coverage to safeguard your business from both physical and financial impacts.
How Do I Calculate the Amount of Business Interruption Coverage I Need?
To determine your business interruption insurance needs, start by calculating your average monthly revenue and identifying essential fixed expenses, such as rent, utilities, and payroll. Next, consider potential costs for a temporary business relocation and factor in an estimated recovery time based on risks your business might face, such as natural disasters or fires. Since every business is different, working with an insurance professional can help you refine your coverage calculation and ensure you have the right level of financial protection to keep your business running during unexpected interruptions.
Is Business Interruption Insurance Necessary for Home-Based Businesses?
Yes, business interruption insurance can be essential for home-based businesses. While working from home may seem less risky, unexpected events like natural disasters, fires, or equipment damage can still disrupt your operations and impact your income. This coverage provides financial protection for small businesses, helping to replace lost revenue and cover ongoing expenses, such as utility bills or loan repayments, during downtime. Even if your homeowner’s insurance covers physical damage, it typically excludes income loss tied to business interruptions. Adding home-based business coverage ensures your livelihood stays secure when unexpected challenges arise.