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At Diverse Health insurance, we understand that your small business is more than just a source of income—it’s a product of your vision, your hard work, and your dreams. That’s why we offer tailored small business insurance solutions designed to protect your operations, your employees, and your bottom line.
Whether you're launching a startup or managing an established local business, our insurance experts work closely with you to build a coverage plan that meets your exact needs.
Small Business Insurance is a group of policies that protect small and medium-sized enterprises (SMEs) from financial losses due to property damage, liability claims, employee injuries, cyberattacks, and more. The right coverage helps reduce risk and keeps your business resilient—even when unexpected challenges arise.
Protects against:
Third-party bodily injury (e.g., a customer slips and falls on your premises)
Property damage caused by your business activities
Legal defense costs if your business is sued
Ideal for: Retailers, contractors, consultants, and service providers
A cost-effective package that bundles:
General Liability Insurance
Commercial Property Insurance
Optional add-ons: Business interruption insurance, cyber liability
Best for: Small businesses needing foundational coverage in one simple policy
Covers physical assets such as:
Buildings you own or lease
Equipment and tools
Furniture and fixtures
Inventory and stock
Protects against: Fire, theft, vandalism, natural disasters (depending on policy terms)
Required in most U.S. states, this coverage helps:
Pay medical bills for injured employees
Cover lost wages
Shield your business from employee lawsuits
Must-have for: Any business with employees, even part-time or seasonal
Also known as Errors & Omissions Insurance, it provides:
Protection against claims of negligence or mistakes in your services
Legal defense costs and settlements
Critical for: Consultants, accountants, designers, marketing professionals, IT service providers
In today’s digital world, even small businesses are vulnerable to data breaches and hacking. This policy helps cover:
Data recovery costs
Notification expenses
Legal liabilities
PR damage control
Ideal for: Any business that handles customer data or processes online transactions
If your business uses vehicles for deliveries, client visits, or transporting goods, you’ll need:
Liability coverage
Physical damage protection
Medical payments and uninsured motorist coverage
Applies to: Company-owned vehicles or employee-used vehicles for work
This coverage helps keep your business afloat during forced closures by covering:
Lost revenue
Operating expenses (e.g., rent, payroll)
Temporary relocation costs
✔ Industry Expertise
We understand the unique risks faced by small businesses across multiple sectors—including retail, tech, trades, health services, hospitality, and professional services.
✔ Tailored Coverage
We don’t believe in one-size-fits-all. Your business gets a personalized risk assessment and a policy built around your needs.
✔ Affordable Premiums
We compare quotes from multiple top-rated insurers to get you the best value without sacrificing coverage.
✔ Dedicated Advisors
Get a personal insurance advisor who knows your business and supports you from policy setup to claim resolution.
✔ Easy Claims Process
We guide you every step of the way, ensuring fast, fair, and efficient claim handling.
We proudly serve a wide range of small businesses, including:
E-commerce and online sellers
Restaurants and food trucks
Independent consultants and freelancers
Cleaning and maintenance companies
Beauty salons and wellness centers
Contractors and construction firms
Retail stores and boutiques
Healthcare and therapy practices
Everything Small Business Owners Want to Know About Insurance
The most common types include: General Liability Insurance Commercial Property Insurance Business Owner’s Policy (BOP) Workers’ Compensation Insurance Professional Liability Insurance Cyber Liability Insurance Commercial Auto Insurance Your needs depend on your industry, business size, location, and how you operate.
Some coverage types, such as workers’ compensation and commercial auto insurance, are legally required in most states. Others, like general liability, are not always required but are highly recommended to protect against common risks.
Costs vary based on: Type of business and industry Business size and number of employees Location and property value Chosen coverage limits and deductibles On average, small businesses pay between $500 and $2,000 annually for a Business Owner’s Policy (BOP). We provide custom quotes to match your budget.
A BOP bundles General Liability and Property Insurance into one convenient, discounted policy. It’s ideal for small to medium-sized businesses looking for basic coverage without the complexity of multiple policies.
Absolutely! Even home-based businesses need protection. Homeowner’s insurance usually won’t cover business-related equipment, liability, or inventory losses. We offer customized policies for home-based businesses.
