Small Business Insurance Packages: What You Really Need in 2025
Written by: MD Emran Khan | Updated: July 13, 2025
Running a small business is like juggling flaming torches while riding a bike. One small slip—and boom 💥. That’s where small business insurance packages come in. They help you sleep at night knowing your business is protected from lawsuits, disasters, and even shady ex-employees.
What Is a Small Business Insurance Package?
A business insurance package is a bundle of policies that covers multiple risks under one plan. Think of it as a Netflix subscription, but instead of shows, you’re covered against fire damage, employee injuries, lawsuits, and data breaches.
Most packages include:
- General Liability Insurance (slips, trips, accidents)
- Commercial Property Insurance (your shop, office, or equipment)
- Business Interruption Insurance (lost income if disaster hits)
- Workers’ Compensation (if employees get injured on the job)
- Cyber Liability Insurance (for online businesses)
- Professional Liability (if you give advice or provide services)
Types of Packages by Business Type
| Business Type | Suggested Package Components |
|---|---|
| Retail Store | General Liability, Property, Theft Coverage |
| Consultant/Freelancer | Professional Liability, General Liability, Cyber Insurance |
| Restaurant | Food Contamination, Equipment Breakdown, Workers’ Comp |
| Contractor/Painter | Tools Insurance, Workers’ Comp, Property Damage |
| E-commerce Business | Cyber Liability, Product Liability, Inventory Protection |
How Much Do Small Business Insurance Packages Cost?
It varies based on business size, location, and industry risk.
| Business Size | Average Monthly Premium |
|---|---|
| Solo Freelancer | $25 – $70 |
| Small Retail Shop | $50 – $150 |
| Restaurant | $80 – $250 |
| Painting Contractor | $60 – $180 |
Pro Tip: Bundle multiple policies under a BOP (Business Owner’s Policy) to save 10%–30%.
Best Providers for Small Business Insurance Packages (2025)
| Provider | Best For | Highlights |
|---|---|---|
| Progressive | Affordable add-ons | Easy online quote, flexible packages |
| NEXT Insurance | Tech-savvy small businesses | Great for freelancers and e-commerce |
| Hiscox | Professional services | Strong for consultants and remote businesses |
| The Hartford | Growing companies | Great for worker’s comp and industry customization |
| State Farm | Local businesses | Personal agent support, especially in rural areas |
Real Example
“I run a small painting business in Scranton, PA. I bundled general liability and tools coverage through NEXT for under $70/month. A ladder fell on a client’s car—glad I was covered!” — Mike R., Owner, PA Painting Pros
Final Takeaway
If you’re serious about protecting your business, don’t skip on a small business insurance package. Whether you’re a solo freelancer or managing a five-person team in Pennsylvania, bundling coverage can save you money and your sanity.
FAQ
Q: Do I need insurance if I work from home?
Yes. Homeowners insurance doesn’t cover business equipment or liability.
Q: What is the cheapest small business insurance package?
For low-risk freelancers, NEXT Insurance offers packages starting under $30/month.
Q: Can I customize my insurance package?
Absolutely! Most providers like Progressive and The Hartford allow custom add-ons.
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Md Emran Khan is a passionate news writer and digital content creator focused on delivering clear, insightful, and timely updates on finance, technology, and current events. With a knack for breaking down complex topics into engaging stories, Emran aims to keep readers informed and empowered to make smart decisions. Based in USA, he blends global trends with local perspectives to bring a fresh voice to the news landscape.