Business Insurance

Get complete business coverage for your organization, from a business owner’s policy to workers’ compensation, whether you’re a small business, LLC, or have hundreds of employees.

Vital property and casualty coverage
Automatic payroll integration
Top 100 insurance agency*

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Comprehensive Coverage for Your Business, Property, and Employees

Business Owner’s Policy (BOP)

Save money as you bundle essential protection for your business — including liability and property coverage to address a range of business risks.

Commercial Auto Insurance

We’re here for you with a policy to help cover damages and loss due to a work vehicle accident — from a single company car to an entire fleet of trucks.

Cyber Liability Insurance

As the perils of the digital world continue to grow, cyber liability insurance helps protect your business from financial risk, as well as safeguard your reputation.

Employment Practices Liability Insurance (EPLI)

Establish an EPLI policy to help protect your business against claims of harassment, discrimination, workplace violence, and wrongful termination.

Errors and Omissions

Professional liability insurance, or errors and omissions, helps protect businesses against actionable mistakes made by owners, managers, employees, and contractors.

One Stop for Business Insurance Service and Support

Select — Get help choosing a top-tier insurance carrier for your needs.
Manage — Our technology and expertise help you handle deductions, billing, and compliance.
Simplify — Integrate your insurance with payroll to simplify administration.

Speak With a Licensed Agent

business owner reviewing their Business Insurance Service

Why Choose Paychex for Business Insurance?

Top 100 insurance agency — 5 years in a row*
20+ years of experience
150,000+ customers throughout the U.S.
Partnering with the nation’s top, A-rated carriers
Wide range of options, from cyber liability to workers’ compensation and property insurance

How To Get Business Insurance

Assess your business and potential risks — Consider the impact that natural disasters, cyberattacks, or other events could have on your business.
Work with a professional — A licensed agent from a business insurance service can help you find policies that match your needs.
Compare plan options — Do your research to compare rates, terms, and benefits of business insurance policies.
Evaluate your insurance needs every year — Insurance for a small business can change significantly in a short period of time, and may eventually require more comprehensive solutions.

An owner reviewing her business insurance options

Find Your Business Solution

Quickly find the right business insurance for you and your employees, simply by answering a few questions about your business and your needs.

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Business Insurance FAQ

What Is Business Insurance for Companies?
What Is Business Insurance for Companies?

Business insurance protects companies from financial losses, including accident and injury claims, property damage, and theft. There are several different types of coverage and business insurance products, allowing you to create a plan that meets your specific needs.
What Does Business Insurance Cover?
What Does Business Insurance Cover?

No single policy covers everything. For instance, business insurance policies can be focused on protecting against injuries to customers and employees, property damage, cyberattacks, and motor vehicles.
How Do I Get Business Insurance?
How Do I Get Business Insurance?

Paychex licensed agents connect you with A-rated insurance carriers. They also help you create a customized insurance plan, based on the specific needs of your business.
How Much Is Business Insurance?
How Much Is Business Insurance?

The cost of business insurance varies depending on the type of business along with the specific insurance needs of that organization. The amount of coverage needed is the ultimate deciding factor in the cost.
Is Commercial Insurance the Same As Business Insurance?
Is Commercial Insurance the Same As Business Insurance?

Commercial insurance can also be called business insurance. Both are terms used to describe insurance that provides coverage for any type of business. A top-tier business insurance agency can help you find the coverage your business needs.
Do I Need Business Insurance if I Have an LLC?
Do I Need Business Insurance if I Have an LLC?

While a limited liability corporation (LLC) may effectively cover personal assets, business insurance provides needed protection against lawsuits and to cover any employees. Also, certain industries require business insurance, and certain states require it for professional licensing.
What Insurances Do Businesses Need?
What Insurances Do Businesses Need?
There are common types of business insurance, some of which include:
However, the insurance your business needs will depend largely on your industry and the state in which you operate.
What Is the Most Common Business Insurance?
What Is the Most Common Business Insurance?

A business owner’s insurance policy and workers’ compensation policy are among the most common types of insurance policies for business owners and the organization at large.