You can file a claim anytime online or in the NEXT app.

You’ll be asked to share the details of what happened and to provide relevant photos and documentation. We strive to make claims decisions as quickly as possible so that you can get back to work.

File a claim

General liability insurance is often the first type of coverage purchased by new business owners, but it’s not typically required by law.

However, some professional organizations might require coverage before issuing a license or permit.

Clients might also ask for proof of insurance before they’ll work with you.

General liability insurance coverage premiums can typically be deducted from your taxes. Consult with a licensed accounting professional to make sure you qualify.

The IRS categorizes payments you make for this type of insurance to be both an “ordinary and necessary” business expense. Keep a record of how much you pay every year for your policy.

General business liability insurance can help cover expenses related to property damage, but only to property that does not belong to you.

Commercial property insurance can help protect the physical items you own to operate your business, such as:

• Inventory

• Business equipment

• Furniture and furnishings

• Physical structures

BOP insurance (Business Owner’s Policy) combines general liability insurance and commercial property insurance into one package that is usually less expensive than buying both coverages separately.

Learn how general liability coverage can help with property damage

General liability insurance coverage doesn’t cover theft of your own possessions.

If any of your personal or business items are stolen, you won’t be covered without additional insurance to protect your own gear, such as tools and equipment insurance.

You might consider adding tools and equipment coverage if you work in multiple locations. It can help provide financial protection for your equipment in transit and on a job site.

You can bundle tools and equipment coverage with your NEXT general liability insurance for business if you’re a contractor or own a cleaning business.

Business general liability insurance can help pay for expenses if your business is accused of causing an injury, but injuries to you or your employee are not included.

Workers’ compensation insurance can help pay for medical expenses and lost wages if an employee is hurt on the job.

Most states legally require you to buy workers’ comp coverage as soon as you hire an employee. Optional business owner’s coverage is an add-on that can help provide benefits for business owners if they get hurt on the job.

Learn more about workers’ compensation insurance

Small business insurance isn’t one-size-fits-all. Each business is unique and has different insurance needs.

The coverage you need depends on a number of factors, including:

• The type of work you do

• How many employees and subcontractors you have

• Your level of risk

• The state where you work

When you get a free online quote with NEXT, you can review options and adjust limits to your preference.

It takes about 10 minutes to get a quote, buy coverage and get access to policy documents and your certificate of insurance (COI).

You can access your documents and COI 24/7 online or in the NEXT app for iPhone or Android.

• General Liability insurance vs. Professional Liability
• General Liability insurance vs. Business Owner's Policy
• General Liability insurance vs. Workers' Compensation
• Liability insurance vs. Commercial Property insurance
• Compare other business insurance policies