Why You Need Business Insurance

small business insurance

Business is fraught with risk. In our experience, running a business without insurance is just a step too far.

Why? Business insurance protects you from unexpected liabilities and costs. Accidents, natural disasters, and lawsuits could put you out of business if you are not adequately covered.

Every business is different, so it needs a tailored level of coverage. For example, a restaurant is going to require very different insurance compared to a solopreneur working out of their home. The risks are different, but neither business is completely free from risk either.

(Side note: Many people think that a business run out of their home is covered by their home insurance policy, but this is simply not the case.)

Insurance is needed to cover day-to-day expenses, workers compensation, business assets, vehicle protection, coverage to protect against revenue loss, and much more.

Running a business is stressful enough. Protect yourself from accidents and sleep more soundly at night knowing that you’re protected.

Bonus Advice

Not only is insurance a good idea for every business…it is actually required for many businesses! Here’s a great article from the Small Business Administration (SBA) with some more details on what types of business insurance are required.


If you have any questions about business or commercial insurance with R&G, contact one of our commercial agents today to get a quote!

R&G Insurance Associates is an independently owned and operated insurance company with 5 offices located around Maryland. We pride ourselves on offering a high level of service where clients feel like family. Come visit us at any of our five locations in Rockville, Glen Burnie, Prince Frederick, Lexington Park, and Manchester MD.