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Small Business Insurance

It’s a risky world but we’ve got you covered.

We know the unexpected and accidents happen and that’s why it is important to understand your coverage. At Frost & Remer you can rely on our knowledge and expertise to help you select the level of protection that’s right for you.


Small Business Insurance protects you and your business for replacement coverage for your building, contents and signage, replacement income for up to 12 months, theft of money both on premises and off, and employee dishonesty. 

Ask about our Surety Bonds, Commercial Auto Insurance, and Worker’s Compensation. 

Contact Frost & Remer today to schedule an appointment for your full risk assessment.

As a small business owner, you’ve invested hard work and taken on risks to run your business. To ensure that the work continues to pay off, it’s important to protect what you’ve already established.

Small business insurance can be customized to meet your unique business needs. To avoid unnecessary losses, it can protect you and your business from potential expenses such as replacement coverage for your building and its contents, replacement income for up to 12 months, theft of money both on premises and off, employee dishonesty, professional errors, damages and lawsuits from accidents, damages from natural disasters, and more.

What insurance do I need for a small business?

Depending on your business needs, there are several forms of insurance that can provide you with the right coverage. Because your business is unique, you’ll likely want to choose multiple types of coverage.

The two broad coverage areas are:

General Liability Insurance

The most common coverage type for any small business, especially those that interact with clients in person, is General Liability Insurance.

It protects against financial loss from the following:

Additional coverage types

As your insurance needs differ based on your business’s needs, there are many different types of insurance coverage that you may need in addition to General Liability Insurance. These could include the following:

You may also be interested in Frost & Remer’s coverage options for Workers’ Compensation Insurance or Commercial Auto Insurance.

Bundle your coverage

A Business Owner’s Policy (BOP) combines common coverage types into bundled coverage for your business, often saving you on insurance costs.

This can be especially beneficial for home-based business owners, as it combines general liability insurance with property insurance to protect your own losses of equipment or other property, in addition to the losses of your customers. 

The best way to know what insurance coverage you need is to speak with an insurance agent. Frost & Remer can help you determine your coverage needs with a full risk assessment.

Next steps?

Contact us to discuss a Business Owner’s Policy, Surety Bonds, Commercial Auto Insurance, and Worker’s Compensation for your business.

Schedule an appointment for your full policy review and risk assessment from Frost & Remer. We’ll make recommendations to ensure that you can provide the necessary coverage to protect your business.

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