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Starting a small business can be very professionally and personally rewarding. However, operating a company of any size involves risk. Natural disasters, accidents, professional errors, and employee injuries are just some of the events that can occur at any time and threaten your livelihood and that of your employees. Small business insurance helps protect your company from financial loss when problems arise.

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  • General liability insurance. For many small businesses and solo entrepreneurs, this is foundational coverage. A general liability policy can protect your business from claims of bodily injury, property damage, and personal injury that occur on your premises. For example, imagine you’re providing a lesson at a client’s home and you damage their expensive violin. This type of small business insurance for educators may cover the repair or replacement expense. 

  • Workers' compensation insurance. If you employ tutors or teachers to conduct lessons, this type of insurance is essential. Most states require you to have workers' compensation insurance if you have employees. It pays their medical expenses if they get hurt on the job. 

  • Professional liability insurance. Professional liability insurance for music teachers (sometimes called errors & omissions or E&O insurance) provides crucial protection from the financial fallout of lawsuits. It can cover your legal costs even in situations where a client’s claim is determined to be baseless. 

  • Business owners policy (BOP). A BOP conveniently combines general liability and commercial property insurance into one policy, potentially at a lower cost than buying the two policies separately. It covers lawsuits and other general liability claims, as well as claims related to the space you rent or own for conducting business and your business property. It can also help pay for business income lost as a result of a covered event. 

  • Commercial auto insurance. Let’s say you have a van you use to transport instruments to client sites for music lessons. Your personal auto insurance may not cover incidents that arise in the course of doing business, but a commercial auto insurance policy can.

  • Cyber insurance. If someone hacks into your computers or other devices, steals sensitive client information (like credit card numbers), and uses it to commit fraud or is likely to, this policy can help cover the costs of notifying clients, credit monitoring, and legal fees.

  • Umbrella insurance. Business insurance policies (like most policies) have limits to the amount they’ll pay. An umbrella policy provides an extra layer of liability protection for claims that exceed those limits, paying additional costs up to its limit.

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About the Author

Blake Fuchtman

Chief Actuary

Blake Fuchtman, FCAS, guides actuarial modeling and forecasting at biBerk, transforming data into strategic decisions that shape policy pricing and risk appetite. With deep actuarial expertise, he translates complex metrics into clear frameworks that drive underwriting and business performance. Blake shares thought leadership content explaining how sound actuarial principles support growth and competitive readiness in small business insurance.