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State Farm®
Small Business Insurance

We'll help you protect your small
business so you can focus on
making it grow.

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See Small Business Insurance Options by Industry

We'll show you insurance products to consider before you contact your agent.

What Stage Is
Business in?

Businesses have life cycles, just like people. And the needs of your business can change over time. Select which stage your business is in, and we’ll show you insurance products to consider.

Starting Up

You’ve launched, you’re testing your business plan, acquiring your first customers, adjusting your offerings, and re-investing income.
Business Owners Policy

A business owners policy from State Farm provides insurance designed for businesses like yours. So you can keep your startup protected at a competitive price.

Business & Commercial Auto

If your startup relies on its vehicles to keep moving forward, even a small fender-bender can be a big deal. Protect yourself with commercial auto insurance.

Individual Health

While you focus on the success of your startup, don’t forget to take care of its single most important asset -- you. Consider health insurance from State Farm.

Commercial Liability Umbrella

Could your startup survive a substantial claim or judgment? A commercial liability umbrella policy, or CLUP, may give you the extra protection you need.

Professional Liability

Professional liability insurance helps protect many kinds of businesses from the costs of lawsuits claiming you’ve been negligent, or made an error or omission.

Workers’ Compensation

If you have employees, carrying workers’ compensation insurance helps you protect them – and yourself – from the high costs of workplace injuries.

Small Business Life

Do you have a succession plan in place? Address a business continuation plan to be sure the success you started continues.


Sales and customer acquisition are increasing, and you’re dividing your time between customer needs, looking for growth opportunities, and responding to competition. You may also be adding employees.
Review and Adjust Coverage

The needs of your business change as it grows. Your State Farm agent can help you understand those needs, and help you adjust your insurance and coverage limits to match.

Commercial Liability Umbrella

Business liability gives you a degree of protection, but it may not be adequate for a growing business. A commercial liability umbrella could provide that extra protection.

Errors and Omissions Liability

Even small mistakes can lead to large lawsuits. Errors and omissions liability insurance can help protect your growing business from the costs of those judgments.

Workers’ Compensation

As you hire more staff, the risk of work-related injuries rises. Protect your employees, and your growing businesses, with workers’ compensation insurance.

Employment Practices Liability

Protect your growing business from the costs of a lawsuit alleging discrimination, wrongful termination, or sexual harassment.

Group Life Insurance

Attract top talent to your growing business with great benefits including group life insurance.

Disability Insurance

Coverage for when you can’t work due to a disabling injury or sickness. May provide funds to help cover your expenses for weeks, months, or even longer.

Loss Control

Have a plan to prevent some of the most common causes of business losses, which may help save your business time and money.


Mature businesses typically have stable growth and revenue, as well as a loyal customer base. Owners look for ways to improve and optimize their businesses without risking what they've already built.
Review and Adjust Coverage

You’ve come a long way, but you’re not ready to slow down. Your State Farm agent can help you understand those needs, and help you adjust your insurance and coverage limits to match.

Workers’ Compensation

More employees means a greater chance for costly, work-related injuries. Protect what you’ve worked so hard to build, while protecting your employees, too.

Key Employee Insurance

Most businesses have a few people with irreplaceable knowledge and experience. Key employee insurance could help your business survive if your key employee died unexpectedly.

Employment Practices Liability

Protect your mature business from the costs of a lawsuit alleging discrimination, wrongful termination, or sexual harassment.

Executive Benefit Plans

Build a benefits plan that lets you recruit, retain, and reward employees who are critical to the continued success of your business.

Premium Audit

Required of some Business Insurance policies where your insurance is based on your payroll or total cost of the work you conduct during the policy period.


May assure your customers that you’ll abide by your agreements.

Changing Ownership

It’s time to start a new chapter in your life. Maybe you’d like to retire, or just want to try something new. Whatever your reason, State Farm has insurance products that can help make transferring ownership of your business a simple and rewarding experience.
Completed Operations Liability

Protects you against the costs of bodily injury and property damage that may occur long after a project was completed.

Estate Planning

Estate planning is a good way to ensure your chosen beneficiaries receive your assets in an orderly fashion, while limiting possible tax penalties.

Buy - Sell Agreement

In the event of your death, upon retirement, or at a time you choose, ensure your business transfers to new owners in an orderly and efficient manner.

State Farm Bank®
Business Visa®

The on-demand purchasing power you need to grow your business. Learn More.

Here to help

Protecting the people and things in your life can raise many questions. With nearly 100 years in the insurance business, we’ve learned a few things and we’re happy to share.


Bank Disclosure

State Farm Bank®, F.S.B., Bloomington, Illinois ("Bank") is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank's underwriting standards for each type of credit or service offered by visiting® or by contacting the Bank at 877-SF4-BANK (877-734-2265); If you are deaf, hard of hearing, or do not use your voice to communicate, you may contact us via 711 or other relay services. To apply for a Bank product, you may also see your participating State Farm agent.

Life Insurance Disclosure

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
Bloomington, IL

State Farm Fire and Casualty Company
Bloomington, IL

State Farm General Insurance Company
Bloomington, IL

State Farm Florida Insurance Company
Winter Haven, FL

State Farm Lloyds
Richardson, TX

State Farm County Mutual Insurance Company of Texas
Richardson, TX

State Farm Life Insurance Company (Not licensed in MA, NY or WI)
Bloomington, IL

State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin)
Home Office, Bloomington, Illinois