Small Business Insurance: Big Protection for Your Biggest Dreams
Request a QuoteStarting and running a small business takes vision, grit, and long hours. Whether you’re a boutique owner, coffee shop operator, contractor, or consultant, your business is more than a job—it’s your dream, your investment, and your future. But what happens if a customer slips, a fire breaks out, or equipment gets stolen?
That’s where small business insurance comes in. At TWFG - Contractors Insurance, we help entrepreneurs protect what they’ve worked so hard to build. Let’s walk through what it covers, why you need it, and how the right policy can mean the difference between bouncing back—or shutting down.
What Is Small Business Insurance?
Small business insurance is a package of policies designed to protect your company from financial losses due to accidents, lawsuits, theft, disasters, and more. The right policy fits your industry, size, and risk level—like a custom-tailored suit for your business needs.
Why It’s a Smart Investment
Without coverage, one unexpected event could wipe out your profits—or your business altogether. Insurance gives you a safety net, so you can take smart risks, grow your business, and sleep better at night.
Who Needs It?
If you sell products, provide services, have a physical location, interact with clients, or employ staff—you need business insurance. Even solo entrepreneurs face real risks every day.
What’s Typically Included?
No two businesses are the same, but most small business insurance policies include a core set of protections. Here’s what they typically cover:
| Coverage | What It Does | Example |
|---|---|---|
| General Liability | Covers third-party bodily injury, property damage, and legal fees | A customer trips in your shop and sues for medical bills |
| Business Property | Protects your building, equipment, and inventory | A fire damages your workspace and tools |
| Business Interruption | Helps cover lost income during a closure from a covered event | Your store is forced to close after a storm |
| Professional Liability | Also called Errors & Omissions—covers mistakes or bad advice | A client claims your service caused them financial harm |
| Workers' Compensation | Mandatory in most states—covers injured employees' medical expenses and lost wages | An employee falls off a ladder at work |
Real Life. Real Risks.
Let’s make this real. Picture a bakery that’s been open for 5 years. One morning, a delivery person slips on a wet floor and breaks their arm. They sue for damages. The lawsuit costs $40,000 in legal fees and a settlement. Without liability coverage, the owner would pay out of pocket. But with small business insurance from TWFG - Contractors Insurance, they’re protected. The policy covers legal expenses, and the bakery keeps its ovens running.
How Much Does It Cost?
Your premium depends on the type of business, location, number of employees, claims history, and coverage limits. Here’s a general look at monthly insurance costs by business type:
| Business Type | Estimated Monthly Premium |
|---|---|
| Freelancer / Consultant | $30 – $60 |
| Retail Store / Boutique | $60 – $150 |
| Restaurant / Café | $150 – $300 |
| Contractor / Trade Professional | $100 – $250 |
| Technology / Professional Services Firm | $70 – $200 |
At TWFG - Contractors Insurance, we’ll help you choose the right coverage and never sell you more than you need.
Check Your Gaps
Do you have enough coverage for lawsuits? What about cyber risks or data loss? Let’s audit your current plan and fill in the missing pieces—before something goes wrong.
Flexible Policies, Fast Quotes
You’ve got a business to run. We make insurance easy—fast quotes, simple explanations, and ongoing support that actually supports you.
We’re Local and We Care
We’re not a faceless call center. We’re part of your community—and we treat your business like it’s our own. When you call TWFG - Contractors Insurance, you get real help from real people.
Let’s Protect What You’re Building
You didn’t start your business to worry about worst-case scenarios. But planning for them is part of being a smart business owner. With small business insurance from TWFG - Contractors Insurance, you can face the future with confidence—because your business is covered, your people are safe, and your dreams are protected.
Give us a call at 855-201-8934 or click below to get a custom quote. We’ll walk you through it every step of the way.
Request a Quote