# Business Insurance Solutions | Supersure > Supersure makes business insurance simple. Compare coverage options, identify gaps, and manage policies in one platform. 200+ carriers. Canonical: https://www.supersure.com/solutions/business-insurance Protect what you’ve built with coverage designed for your business. Supersure helps you understand your risks, identify potential coverage gaps, and find the right commercial insurance coverage without the complexity. *Access to 50+ carriers* Supersure makes commercial insurance easier to understand and easier to manage. Using technology for efficiency and licensed agents for guidance, we help businesses evaluate coverage needs and compare options, as well as reassessing their needs as their operations evolve. - Industry-specific coverage guidance from licensed agents - Digital tools for a better experience - On-demand coverage reviews and service support - Real human support when you need it - **Smarter matching, less guesswork** - **One connected experience** - **Built to evolve with your business** Supersure brings buying insurance, managing benefits, assisting with claims submission, and compliance support into one intuitive app. Less guesswork. Fewer follow-ups. Just a clear, connected experience designed to help businesses manage insurance as they grow. Many businesses rely on a core set of insurance coverages to protect against everyday risks, from customer injuries and property damage to employee injuries and cyber threats. The right combination depends on your industry, size, and operations, and Supersure helps you understand which coverages form the foundation for your business. ### General Liability General liability insurance helps cover common risks like customer injuries, property damage, and certain advertising claims. Coverage varies by policy. ### Commercial Property Covers your business property – buildings, equipment, inventory, and furniture – against damage from fire, theft, vandalism, and certain natural disasters. ### Business Owner’s Policy (BOP) Bundles general liability and commercial property into one policy. In some cases, bundling may be more cost effective than purchasing separately, depending on eligibility, limits, and underwriting. Designed specifically for small businesses. ### Workers' Compensation Covers medical costs and lost wages for employees injured on the job. Required by law in most states for businesses with employees. Requirements vary by state, industry, and employee count. ### Commercial Auto Covers vehicles owned, leased, or used by your business for liability and physical damage. Personal auto policies typically don't cover business use. ### Cyber Liability Protects against costs from data breaches, cyber attacks, and privacy violations – including notification costs, legal defense, and recovery expenses. *Access to 50+ carriers* Depending on your industry, growth stage, or specific risks, additional coverages may be important to support your overall risk management strategy. Supersure helps you evaluate when coverage beyond the essentials makes sense and how these policies can strengthen your overall protection strategy. ### Professional Liability / E&O Covers claims arising from professional mistakes, negligence, or failure to deliver services as promised. Essential for consultants, advisors, and service providers. ### Employment Practices Liability (EPLI) Protects against employee claims of discrimination, harassment, wrongful termination, and other employment-related issues. ### Umbrella/ Excess Liability Provides additional liability coverage above your primary policies when claims exceed those limits. ### Business Interruption Covers lost income and ongoing expenses when your business can't operate due to a covered property loss. ### Inland Marine / Equipment Covers business property and equipment in transit or stored away from your primary location. ### Directors & Officers (D&O) Protects company leaders against claims related to management decisions, often important for businesses seeking investment. From construction to healthcare, we specialize in the industries that need more than a cookie-cutter policy. - **Manufacturing** - **Healthcare** - **Retail** - **Restaurants** - **Construction** - **Professional Services** Insurance decisions can feel overwhelming, especially when every business is different. These answers cover the questions business owners ask most, from understanding coverage basics to working with Supersure. ### How do I know what insurance coverage my business actually needs? The right coverage depends on factors like your industry, number of employees, revenue, assets, and contractual requirements. Supersure helps you evaluate these factors through guided tools and licensed agent support, so you can understand which coverages may apply to your business - and why - before making decisions. ### What’s the difference between a Business Owner’s Policy (BOP) and separate policies? A Business Owner’s Policy bundles general liability and commercial property into a single policy, and may be more cost-effective in some cases than purchasing them separately. BOPs are designed for many small businesses, but they’re standardized. If your business has unique risks or needs higher limits in certain areas, separate policies may offer more flexibility. Supersure helps you compare both options. ### Is workers’ compensation insurance required for businesses? In most states, yes, if you have employees. Requirements vary by state and industry, and penalties for non-compliance can be significant. Supersure helps you review state-specific requirements and determine when workers’ compensation coverage is required for your business. ### Do I need cyber insurance if my business is small? If your business stores customer data, processes payments, or relies on computers or email to operate, cyber insurance is worth serious consideration. Cyber incidents can lead to notification costs, legal expenses, and operational disruption - even for small businesses. Supersure helps assess your exposure and evaluate appropriate coverage options. ### How long does it take to get coverage in place? For many small businesses, coverage can be quoted and, in some cases, bound within a few days once we have the necessary information (and subject to carrier underwriting process). More complex businesses or specialized risks may take longer due to underwriting review. Supersure sets clear expectations upfront and keeps you informed throughout the process. ### Can I keep my current policies and still work with Supersure? Yes. You don’t have to move everything at once. Many businesses start with a coverage review to identify potential gaps or opportunities while keeping existing policies in place. Supersure works at your pace and helps you decide when (or if) consolidation makes sense. Talk to our team today and get started with your Supersure business insurance coverage. - Quotes Facilitated Through 50+ Carriers - Real Support from Real People - Smart Coverage From Competitive Markets