Interested in a small business insurance quote?
In select states, online quotes are available for many small businesses. Or you can always contact a State Farm agent to get a quote.
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Access all your accounts
Use one login to see all your policies and pay a bill.
How to access your business accountsGet a certificate of insurance
Currently, ACORD 25, certificate of liability insurance is available for:
- Commercial Auto Policies
- Commercial Liability Umbrella Policies
- Artisan and Service Contractors Policies
- Business Owner Policies
- Workers’ Compensation Policies
Additional ACORD forms and more policy types may be available in the future.
Here’s how to easily show proof of liability insurance.
Create a certificate of insurance
Explore our small business insurance products
Should you consider a business owners policy (BOP)?
A business owners policy may help protect your business from various covered claims, including bodily injury, property damage and injuries done to others that may occur resulting from your organization’s operations.
Simplify business with a BOP
Liability and property coverages are included in one combined package to help you manage unexpected risks in business.
Take the small biz quiz
Answer three questions to learn about products for your business.
What are the benefits of choosing State Farm?
Since 1935, State Farm has been helping small business owners manage risk, plan for the future and protect what they’ve built.
Here’s what you can expect:
- Personalized service – Your local agent is ready to help your business grow and thrive
- State Farm agents are small business owners and understand what it takes to run a small business
- Customizable policies – State Farm offers a wide variety of coverage options that may help meet your unique business needs
- Claims support – Whether it’s business insurance or workers’ compensation insurance, State Farm is there to help when needed
Tips for buying small business insurance
Small business insurance is designed to help protect you against a range of risks. As you decide whether you need business insurance, here are some things to consider:
- Assess your risks. Think about what kind of accidents, natural disasters or lawsuits could damage your business. Determine what business property you own (inventory, equipment or buildings) that could be at risk.
- Work with an agent. State Farm agents are business owners, too. They understand the needs of small business owners.
- Re-evaluate every year. As your business grows, so do your potential risks. Check in with your local agent to make sure you have the proper coverage.
Frequently asked questions about small business insurance
General liability insurance covers physical risks such as bodily injury and property damage, while professional liability insurance covers financial losses resulting from errors, omissions, or negligence in providing professional services.
This will vary based on the value of your building and inventory, and also the nature of your business and the services you provide or the products you sell.
You can lower your premiums with higher deductibles and loss prevention/mitigation measures (e.g. burglar alarms, automatic sprinkler systems).
There are many factors that may include the value, construction and age of your building, the value of your inventory, the types of products you sell or the services you provide, and loss prevention/mitigation measures you have.
Get a local agent who gets you
There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.
Simple Insights®
Looking for ways to help keep your small business running smoothly? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.
Prices are based on rating plans that may vary by state. Coverage options are selected by the customer, and availability and eligibility may vary.
This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.
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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
State Farm Fire and Casualty Company
State Farm General Insurance Company
State Farm Life Insurance Company (Not licensed in MA, NY or WI)
State Farm Life and Accident Assurance Company (Licensed in NY and WI)
Bloomington, IL
State Farm Fire and Casualty Company
Tallahassee, FL
State Farm County Mutual Insurance Company of Texas
State Farm Lloyds
Richardson, TX