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Business Insurance

Get complete business coverage for your organization, from a business owner’s policy to workers’ compensation, whether you’re a small business, LLC, or have hundreds of employees.

  • Vital property and casualty coverage
  • Automatic payroll integration
  • Top 100 insurance agency*

Comprehensive Coverage for Your Business, Property, and Employees

Errors and Omissions

Professional liability insurance, or errors and omissions, helps protect businesses against actionable mistakes made by owners, managers, employees, and contractors.

One Stop for Business Insurance Service and Support

  • Select — Get help choosing a top-tier insurance carrier for your needs.
  • Manage — Our technology and expertise help you handle deductions, billing, and compliance.
  • Simplify — Integrate your insurance with payroll to simplify administration.
business owner reviewing their Business Insurance Service

Why Choose Paychex for Business Insurance?

  • Top 100 insurance agency — 5 years in a row*
  • 20+ years of experience
  • 150,000+ customers throughout the U.S.
  • Partnering with the nation’s top, A-rated carriers
  • Wide range of options, from cyber liability to workers’ compensation and property insurance
Brewery owner buying insurance

Insurance for Any Size Business

We’ve got flexible business insurance solutions for every stage of your business. With customizable plans designed to fit your needs, you can easily manage policies and focus on what matters most. Gain peace of mind with business insurance for small businesses.

Four businesses industries: healthcare, restaurants, manufacturing, and professional services

Tennessee Barber and Entrepreneur Protects His Business Like a Champion

Master barber Rolando Duarte is so new to being a business owner that he looked for ways to lower his stress. He turned to Paychex for guidance on how to go about protecting himself and his barbershop with the proper insurance coverage. Having gained peace of mind, he began focusing on growing his current business and expanding to other cities.  

Rolando Duarte works in his new barbershop
Champion's Barbershop
1:11

“People at Paychex make me feel comfortable. It’s more of a friend relationship than a business relationship. They’re taking care of all the things I don’t know … I can live almost stress-free.”

Rolando Duarte
Owner
Champion's Barbershop

Find Your Business Solution

Quickly find the right business insurance for you and your employees, simply by answering a few questions about your business and your needs.

Business Insurance FAQ

  • What Is Business Insurance for Companies?

    What Is Business Insurance for Companies?

    Business insurance protects companies from financial losses, including accident and injury claims, property damage, and theft. There are several different types of coverage and business insurance products, allowing you to create a plan that meets your specific needs.

  • What Does Business Insurance Cover?

    What Does Business Insurance Cover?

    No single policy covers everything. For instance, business insurance policies can be focused on protecting against injuries to customers and employees, property damage, cyberattacks, and motor vehicles.

  • How Do I Get Business Insurance?

    How Do I Get Business Insurance?

    Here’s how to get the right business insurance coverage for your company:

    • Assess potential risks – Evaluate how events like natural disasters, cyberattacks, or property damage could impact your business.
    • Connect with experts – Paychex licensed agents can connect you to A-rated carriers to create a customized insurance plan.
    • Compare plan options – Look at policy rates, benefits, and terms to find the best fit for your needs.
    • Reassess annually – Insurance can change significantly and may eventually require more comprehensive solutions. Review your policy each year to ensure you're covered.
  • How Much Is Business Insurance?

    How Much Is Business Insurance?

    The cost of business insurance varies depending on the type of business along with the specific insurance needs of that organization. The amount of coverage needed is the ultimate deciding factor in the cost.

  • Is Commercial Insurance the Same As Business Insurance?

    Is Commercial Insurance the Same As Business Insurance?

    Commercial insurance can also be called business insurance. Both are terms used to describe insurance that provides coverage for any type of business. A top-tier business insurance agency can help you find the coverage your business needs.

  • Do I Need Business Insurance if I Have an LLC?

    Do I Need Business Insurance if I Have an LLC?

    While a limited liability corporation (LLC) may effectively cover personal assets, business insurance provides needed protection against lawsuits and to cover any employees. Also, certain industries require business insurance, and certain states require it for professional licensing.

  • What Insurances Do Businesses Need?

    What Insurances Do Businesses Need?

    There are common types of business insurance, some of which include:

    However, the insurance your business needs will depend largely on your industry and the state in which you operate.

  • What Is the Most Common Business Insurance?

    What Is the Most Common Business Insurance?

    A business owner’s insurance policy and workers’ compensation policy are among the most common types of insurance policies for business owners and the organization at large.

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