Insurance for a New LLC

Your LLC doesn't come with insurance

Forming an LLC creates a legal entity and can offer certain separation between your personal assets and specific business debts. It doesn't insure anything. Read Does an LLC Need Insurance?

When new LLC owners typically look into coverage

• • A client, landlord, or platform asks for proof of insurance before you can start work
• • You're about to sign a lease or open a physical location
• • You're about to hire your first employee
• • You'll be using a vehicle for business purposes
• • You're taking on your first clients or customers and want to understand your exposure before something happens, not after

Where to start

Rather than guessing at coverage types, start with what your business actually does. Read What Insurance Does an LLC Need? for a coverage-by-coverage breakdown based on your operations.

Commonly considered starting points include:

• • General Liability Insurance — a common foundation for businesses that interact with customers or work on other people's property
• • Business Owner's Policy — for businesses that also want to cover a location, equipment, or inventory
• • Professional Liability Insurance — for businesses providing advice, services, or professional work
• • Cyber Insurance — for businesses handling customer data or relying on digital systems

Getting a quote as a new business

Many insurers, including the option available through this site, can quote eligible new and pre-revenue businesses based on their planned operations rather than requiring an established track record. Eligibility, available coverage, and pricing still depend on your specific business, industry, and state.