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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What Stage Is Your Small Business In?

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

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

PRODUCTS TO CONSIDER

  • 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 judgment or settlement? 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.
  • Employment Practices Liability

    If you have employees, employment practices liability could protect you from costs associated with lawsuits alleging discrimination, sexual harassment, and more.
Reference to Asterisk * Ranking and data from SNL Financial, based on direct premiums written as of 2016.
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.

PRODUCTS TO CONSIDER

  • Review and Adjust Coverage

    The needs of your business change as it grows. Your State Farm agent can help you understand those needs, and 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 your growing business. A commercial liability umbrella could be the answer.
  • Errors and Omissions Liability

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

    As you hire more staff, the risk of work-related injuries goes up. Protect your employees, and your growing businesses, with workers’ compensation insurance.
  • Employment Practices Liability

    Employment practices insurance can protect your growing business from the costs of a lawsuit alleging discrimination, wrongful termination, or sexual harassment.
  • Group Life Insurance

    If you want to attract top talent for your growing business, it helps to have a great benefits package including group life insurance. State Farm makes it easy.
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.

PRODUCTS TO CONSIDER

  • Review and Adjust Coverage

    You’ve come a long way, but you’re not ready to slow down. Your agent can help you understand your changing needs, and adjust coverage options and 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 you lost someone like that.
  • Employment Practices Liability

    Employment practices insurance can protect your mature business from the costs of a lawsuit alleging discrimination, wrongful termination, or sexual harassment.
  • Executive Benefit Plans

    State Farm can help you build a benefits plan that lets you recruit, retain, and reward employees who are critical to the continued success of your business.
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 can help make transferring ownership of your business a simple, and rewarding experience.

PRODUCTS TO CONSIDER

  • Completed Operations Liability

    Completed operations and liability coverage 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.
  • Completed Operations Liability

    Protection against the costs of injury and damage occurring long after a project’s completion.
  • Estate Planning

    Choose who’ll receive your assets while limiting possible tax penalties.
  • Buy - Sell Agreement

    Ensure that your business transfers to new owners in an efficient, and professional manner.

Additional Small Business Insurance

There's no business like your business, so we provide additional coverage options to fit your needs.

Business & Commercial Auto

Protect the vehicles that keep you moving forward.

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Workers’ Comp

Protection from the high cost of workplace injuries.

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Specialty and Professional Liability

Protection if you’re sued for professional negligence, errors, or omissions.

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Bonds

Assure your customers that you’ll abide by your agreements.

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Group Life

High-quality life insurance for your employees.

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Disability Insurance

Income for when you can’t work.

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Buy-Sell Agreements

Ensure your business transfers in an orderly and efficient manner.

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State Farm Bank® Business Visa®

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

Learn More

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. Contact State Farm Bank toll-free at 877-SF4-VISA (877-734-8472)(877-734-8472). If you are deaf, hard of hearing, or do not use your voice to communicate, you may contact us at 711 or other relay services.

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.