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Get LLC business insurance coverage to protect your limited liability company." data-next-head=""/><meta name="robots" content="index, follow, max-image-preview:large, max-snippet:-1, max-video-preview:-1" data-next-head=""/><link rel="canonical" href="https://www.nextinsurance.com/business-insurance/llc-insurance/" data-next-head=""/><meta property="og:local" content="en_US" data-next-head=""/><meta property="og:type" content="website" data-next-head=""/><meta property="og:title" content="LLC Insurance" data-next-head=""/><meta property="og:description" content="An LLC keeps your personal assets separate from your business. 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1920px){.css-1cpvli6{margin-bottom:36px;}}</style><div class="css-1cpvli6 efbun6r3"><style data-emotion="css 83gwoi">.css-83gwoi{font-family:GT Alpina,sans-serif;font-size:7.467vw;line-height:115%;letter-spacing:-0.03em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-83gwoi{font-size:3.646vw;}}@media (min-width: 1024px){.css-83gwoi{font-size:2.778vw;}}@media (min-width: 1920px){.css-83gwoi{font-size:40px;}}</style><h2 type="h2-titles-alpina-md" role="articleModuleTitle" class="css-83gwoi e3r5m8y3">What is an LLC?</h2></div><style data-emotion="css 1yqcahe">.css-1yqcahe{-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;-webkit-column-gap:2rem;column-gap:2rem;}@media (min-width: 640px) and (max-width: 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td{-webkit-flex-basis:25%;-ms-flex-preferred-size:25%;flex-basis:25%;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;}.css-irprje blockquote{margin-bottom:6.400vw;margin-top:3.200vw;padding-top:4vw;padding-bottom:4vw;font-family:GT Alpina,sans-serif;font-size:10.667vw;font-weight:400;line-height:115%;letter-spacing:-0.03em;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-irprje blockquote{margin-bottom:4.5vw;margin-left:-7vw;margin-top:1.8vw;font-size:5.208vw;py:3vw;}}@media (min-width: 1024px){.css-irprje blockquote{margin-bottom:1.5vw;margin-left:-7vw;margin-top:1vw;padding-top:1vw;padding-bottom:1vw;font-size:2.778vw;}}@media (min-width: 1920px){.css-irprje blockquote{margin-bottom:64px;margin-left:-80px;margin-top:42px;font-size:40px;}}@media (max-width: 767px){.css-irprje table.wrap-two-column th{background-color:transparent;border-left:0;border-right:0;border-top:0;padding-bottom:0;text-align:left;}.css-irprje th:first-of-type{border-top:0;border-top-left-radius:0;border-left:0;}.css-irprje th:last-child{border-top-right-radius:0;border-right:0;}.css-irprje table.wrap-two-column tr{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;}.css-irprje table.wrap-two-column tr td,.css-irprje table.wrap-two-column tr th{display:inline-block;-webkit-flex-basis:50%;-ms-flex-preferred-size:50%;flex-basis:50%;}.css-irprje table.wrap-two-column td:nth-of-type(odd){padding-left:0;}.css-irprje table.wrap-two-column td:nth-of-type(even){padding-right:0;}}</style><div role="articleContentText" class="css-irprje efbun6r1"><div> <div> <div> <p>An LLC is a limited liability company, which is a business that is completely separate from your personal finances.</p> <p>This means that the LLC forms a wall between the company and you, the business owner, protecting your personal assets from being negatively affected if someone sues the business or if someone gets hurt as a result of your work.</p> <p>It’s more complicated to create an LLC than to simply run your business as a partnership or sole proprietorship, but there are real advantages to setting up an LLC.</p> <p>Learn more about the pros and cons of creating an <a href="https://www.nextinsurance.com/blog/independent-contractor-vs-sole-proprietor-vs-llc/">LLC versus other types of companies</a>.</p> </div> </div> </div> <div> <div> <h2>Do I need business insurance if I have an LLC?</h2> </div> <div> <p>You might be wondering: do I need business insurance for my LLC? The short answer is yes.</p> <p>One of the main benefits of forming an LLC is that your personal assets <a href="/blog/does-llc-protect-your-business/">are more protected</a>.</p> <p> </p> <p>If a vendor slips and breaks their arm at your job site, your business could still be liable for covering the medical fees. If you don’t have liability insurance for your LLC, your business finances could be severely impacted.</p> <p>A lawsuit could also put your business at risk. If you don’t have the proper insurance, you could be forced to pay out of pocket for legal defense costs even if you aren’t found liable.</p> <p>The only way to cover your business against these types of scenarios is to get LLC business insurance.</p> </div> </div> </div></div></div></div></div><div ni-selector="3-lobs_coverage" style="content-visibility:auto;contain-intrinsic-size:300px" id="lobs-coverage"><style data-emotion="css 151m6yd">.css-151m6yd{--tw-bg-opacity:1;background-color:rgb(229 254 255 / var(--tw-bg-opacity));}</style><section class="css-151m6yd e1rejo8512"><style data-emotion="css okj8z9">.css-okj8z9{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;padding-left:13.5416vw;padding-right:13.5416vw;padding-top:5.555555555555555vw;padding-bottom:5.555555555555555vw;}@media (max-width: 639px){.css-okj8z9{padding:4.266666666666667vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-okj8z9{padding:7.8125vw;}}@media (min-width: 1920px){.css-okj8z9{margin-left:auto;margin-right:auto;width:1700px;justify-items:center;padding-left:0.5rem;padding-right:0.5rem;}}</style><section class="css-okj8z9 e1rejo8511"><style data-emotion="css s91ud8">.css-s91ud8{max-width:50.5555vw;}@media (max-width: 639px){.css-s91ud8{max-width:100%;}}@media (min-width: 640px) and (max-width: 1023px){.css-s91ud8{max-width:73.1770833vw;}}@media (min-width: 1920px){.css-s91ud8{margin-bottom:2rem;width:739px;}}</style><div class="css-s91ud8 e1rejo8510"><h2 type="h2-titles-alpina-reg" class="css-83gwoi e3r5m8y3">What type of insurance does an LLC need?</h2><style data-emotion="css y6dr9f">.css-y6dr9f{font-family:Graphik Web,sans-serif;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;margin-bottom:30px;margin-top:30px;font-size:4.267vw;}@media (min-width: 640px){.css-y6dr9f{font-size:2.083vw;}}@media (min-width: 1024px){.css-y6dr9f{font-size:1.389vw;}}@media (min-width: 1920px){.css-y6dr9f{font-size:20px;}}</style><div class="css-y6dr9f e1rejo859">To get the full advantages of having an LLC, it’s crucial to support your business with the right amounts and types of insurance. It can help to cover your business if there’s an accident, injury or mistake.<!-- --> <style data-emotion="css 117p7y5">.css-117p7y5{margin-top:30px;font-weight:700;}</style><div class="css-117p7y5 e1rejo858">Here’s a guide to some of the most common types of business insurance for LLCs:</div></div></div><div class="css-0 e1rejo857"><style data-emotion="css 8qhn85">.css-8qhn85{margin-bottom:4.444vw;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-column-gap:0;column-gap:0;}@media (min-width: 640px){.css-8qhn85{-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;-webkit-column-gap:5.208vw;column-gap:5.208vw;}}@media (min-width: 1024px){.css-8qhn85{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-column-gap:3.333vw;column-gap:3.333vw;}}@media (max-width: 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1023px){.css-ltx5iy{-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;}}</style><div class="css-ltx5iy e1rejo855"><style data-emotion="css 1eaigr6">.css-1eaigr6{height:25.833vw;width:25.833vw;}@media (max-width: 639px){.css-1eaigr6{margin-bottom:2.5rem;height:67.4666666vw;width:67.4666666vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1eaigr6{height:34.635416vw;width:34.635416vw;}}@media (min-width: 1920px){.css-1eaigr6{height:350px;width:350px;}}</style><div class="css-1eaigr6 e1rejo854"><picture><source srcSet="/img/lobs-coverage/lob-general-liability.png.webp" type="image/webp"/><img src="/img/lobs-coverage/lob-general-liability.png" alt="General Liability" loading="lazy" fetchpriority="auto"/></picture></div></div><style data-emotion="css x7s9c3">.css-x7s9c3{width:60%;}@media (max-width: 639px){.css-x7s9c3{width:100%;}}@media (min-width: 1920px){.css-x7s9c3{width:60%;}}</style><div class="css-x7s9c3 e1rejo853"><style data-emotion="css en9bnl">.css-en9bnl{font-family:GT Alpina,sans-serif;line-height:115%;letter-spacing:-0.03em;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;margin-bottom:30px;font-size:7.467vw;}@media (min-width: 640px){.css-en9bnl{font-size:3.646vw;}}@media (min-width: 1024px){.css-en9bnl{font-size:2.778vw;}}@media (min-width: 1920px){.css-en9bnl{font-size:40px;}}</style><div class="css-en9bnl e1rejo852">General Liability insurance</div><style data-emotion="css 7nyx15">.css-7nyx15{font-family:Graphik Web,sans-serif;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;font-size:4.267vw;}@media (min-width: 640px){.css-7nyx15{font-size:2.083vw;}}@media (min-width: 1024px){.css-7nyx15{font-size:1.389vw;}}@media (min-width: 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.bg-color-rose img{background-color:#ff0047;}.css-1vhugkq .bg-color-rose .wp-block-quote::before{color:#ff0047;}.css-1vhugkq .bg-color-green img{background-color:#00e650;}.css-1vhugkq .bg-color-green .wp-block-quote::before{color:#00e650;}.css-1vhugkq .bg-color-springGreen img{background-color:#c2ffab;}.css-1vhugkq .bg-color-springGreen .wp-block-quote::before{color:#c2ffab;}.css-1vhugkq .bg-color-orange img{background-color:#ff4100;}.css-1vhugkq .bg-color-orange .wp-block-quote::before{color:#ff4100;}.css-1vhugkq .bg-color-yellow img{background-color:#dcf000;}.css-1vhugkq .bg-color-yellow .wp-block-quote::before{color:#dcf000;}.css-1vhugkq .bg-color-lemonYellow img{background-color:#ffff5e;}.css-1vhugkq .bg-color-lemonYellow .wp-block-quote::before{color:#ffff5e;}.css-1vhugkq .bg-color-lightLemonYellow img{background-color:#ffffd7;}.css-1vhugkq .bg-color-lightLemonYellow .wp-block-quote::before{color:#ffffd7;}.css-1vhugkq .bg-color-violet img{background-color:#ac00e7;}.css-1vhugkq .bg-color-violet .wp-block-quote::before{color:#ac00e7;}.css-1vhugkq .bg-color-gold img{background-color:#ed9100;}.css-1vhugkq .bg-color-gold .wp-block-quote::before{color:#ed9100;}.css-1vhugkq .bg-color-jade img{background-color:#009e73;}.css-1vhugkq .bg-color-jade .wp-block-quote::before{color:#009e73;}.css-1vhugkq .bg-color-peach img{background-color:#ffd2b9;}.css-1vhugkq .bg-color-peach .wp-block-quote::before{color:#ffd2b9;}.css-1vhugkq .bg-color-lavender img{background-color:#dccbff;}.css-1vhugkq .bg-color-lavender .wp-block-quote::before{color:#dccbff;}</style><div class="css-1vhugkq eta8xj40"><p><a href="https://www.nextinsurance.com/general-liability-insurance/">General liability insurance</a> for LLCs can help to provide financial protection if an accident occurs at your business, such as a customer injury or damage to someone’s property.</p> <p><strong>Bodily injury</strong></p> <p>Sometimes liability insurance is called “slip and fall insurance.” This is the part of your policy that would help protect your business if a client falls down the stairs at your office and breaks their arm.</p> <p><strong>Property damage</strong></p> <p>General liability also covers property damage to items that don’t belong to you. If you accidentally break a client’s window, your insurance will cover repair expenses up to your policy limit.</p> </div><style data-emotion="css abkzhi">.css-abkzhi{--tw-text-opacity:1;color:rgb(48 123 246 / var(--tw-text-opacity));}@media (min-width: 1920px){.css-abkzhi{font-size:20px;}}</style><a href="/general-liability-insurance/" class="block mt-4 css-abkzhi e1rejo850">Learn more about general liability insurance.</a></div></div></div><div role="lob-item" class="css-8qhn85 e1rejo856"><div class="css-ltx5iy e1rejo855"><div class="css-1eaigr6 e1rejo854"><picture><source srcSet="/img/lobs-coverage/lob-workers-comp-black-white.png.webp" type="image/webp"/><img src="/img/lobs-coverage/lob-workers-comp-black-white.png" alt="Workers Compensation" loading="lazy" fetchpriority="auto"/></picture></div></div><div class="css-x7s9c3 e1rejo853"><div class="css-en9bnl e1rejo852">Workers’ Compensation insurance</div><div class="css-7nyx15 e1rejo851"><div class="css-1vhugkq eta8xj40"><p><a href="https://www.nextinsurance.com/workers-compensation-insurance/">Workers’ compensation insurance</a> can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees and it’s also a good idea to have business owner’s coverage for yourself.</p> </div><a href="/workers-compensation-insurance/" class="block mt-4 css-abkzhi e1rejo850">Learn more about workers’ compensation insurance.</a></div></div></div><div role="lob-item" class="css-8qhn85 e1rejo856"><div class="css-ltx5iy e1rejo855"><div class="css-1eaigr6 e1rejo854"><picture><source srcSet="/img/lobs-coverage/lob-auto-black-white.png.webp" type="image/webp"/><img src="/img/lobs-coverage/lob-auto-black-white.png" alt="Commercial Auto" loading="lazy" fetchpriority="auto"/></picture></div></div><div class="css-x7s9c3 e1rejo853"><div class="css-en9bnl e1rejo852">Commercial Auto insurance</div><div class="css-7nyx15 e1rejo851"><div class="css-1vhugkq eta8xj40"><p><a href="https://www.nextinsurance.com/commercial-auto-insurance/">Commercial auto insurance</a> provides coverage if you are involved in an accident in a business-owned vehicle. It can also provide coverage for accidents in your personal vehicle while it’s being used for work-related purposes.</p> </div><a href="/commercial-auto-insurance/" class="block mt-4 css-abkzhi e1rejo850">Learn more about commercial auto insurance.</a></div></div></div><div role="lob-item" class="css-8qhn85 e1rejo856"><div class="css-ltx5iy e1rejo855"><div class="css-1eaigr6 e1rejo854"><picture><source srcSet="/img/lobs-coverage/lob-property-black-white.png.webp" type="image/webp"/><img src="/img/lobs-coverage/lob-property-black-white.png" alt="Commercial Property" loading="lazy" fetchpriority="auto"/></picture></div></div><div class="css-x7s9c3 e1rejo853"><div class="css-en9bnl e1rejo852">Commercial Property insurance</div><div class="css-7nyx15 e1rejo851"><div class="css-1vhugkq eta8xj40"><p><a href="https://www.nextinsurance.com/commercial-property-insurance/">Commercial property insurance</a> can help protect your business equipment, inventory and the building you work in. If your office is destroyed in a fire, property insurance can help with replacement costs or repairs.</p> <p>It can also help with the loss of business income while you get back up and running.</p> </div><a href="/commercial-property-insurance/" class="block mt-4 css-abkzhi e1rejo850">Learn more about commercial property insurance.</a></div></div></div><div role="lob-item" class="css-8qhn85 e1rejo856"><div class="css-ltx5iy e1rejo855"><div class="css-1eaigr6 e1rejo854"><picture><source srcSet="/img/lobs-coverage/lob-errors-and-omissions.png.webp" type="image/webp"/><img src="/img/lobs-coverage/lob-errors-and-omissions.png" alt="Errors & Omissions" loading="lazy" fetchpriority="auto"/></picture></div></div><div class="css-x7s9c3 e1rejo853"><div class="css-en9bnl e1rejo852">Professional Liability insurance (E&O insurance)</div><div class="css-7nyx15 e1rejo851"><div class="css-1vhugkq eta8xj40"><p>If you make a mistake or a customer lodges a claim against you, <a href="https://www.nextinsurance.com/professional-liability-insurance/">professional liability insurance</a> can help provide the financial protection you need to defend your company.</p> </div><a href="/professional-liability-insurance/" class="block mt-4 css-abkzhi e1rejo850">Learn more about professional liability insurance.</a></div></div></div></div></section></section></div><div ni-selector="4-mosaic_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="4-mosaic"><div data-cy="MosaicModuleContainer" class="css-10ik3r8 e1ormahl5"><style data-emotion="css 14l247s">.css-14l247s{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding:4.267vw;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-column-gap:0;column-gap:0;}@media (min-width: 640px){.css-14l247s{-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;padding:7.8vw;}}@media (min-width: 1024px){.css-14l247s{padding:5.5vw;}}@media (min-width: 1920px){.css-14l247s{margin-left:auto;margin-right:auto;width:1700px;padding-top:6rem;padding-bottom:6rem;}}@media (min-width: 640px){.css-14l247s{-webkit-column-gap:7.447vw;column-gap:7.447vw;}}@media (min-width: 1024px){.css-14l247s{-webkit-column-gap:7.889vw;column-gap:7.889vw;}}@media (min-width: 1920px){.css-14l247s{-webkit-column-gap:5%;column-gap:5%;}}@media (min-width: 640px){.css-14l247s{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}}</style><div class="css-14l247s e1ormahl4"><style data-emotion="css p0m1bl">.css-p0m1bl{height:auto;width:100%;}@media (min-width: 1920px){.css-p0m1bl{width:auto;}}@media (min-width: 640px){.css-p0m1bl{width:31.510vw;}}@media (min-width: 1024px){.css-p0m1bl{width:33.125vw;}}@media (min-width: 1920px){.css-p0m1bl{width:40%;}}</style><div class="css-p0m1bl e1ormahl2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/06/affordable.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/06/affordable.png" alt="How much does business insurance for LLCs cost?" loading="lazy" fetchpriority="auto"/></picture></div><style data-emotion="css 1gxcrnk">.css-1gxcrnk{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding-top:5vw;text-align:left;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1gxcrnk{width:45.443vw;padding-top:0px;padding-bottom:0px;text-align:left;}}@media (min-width: 1024px){.css-1gxcrnk{width:47.986vw;}}@media (min-width: 1920px){.css-1gxcrnk{width:55%;}}</style><div class="css-1gxcrnk e1ormahl3"><style data-emotion="css yaqsty">.css-yaqsty{margin:0px;font-family:GT Alpina,sans-serif;font-size:7.467vw;font-weight:400;line-height:115%;letter-spacing:-0.03em;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-yaqsty{width:100%;font-size:3.646vw;}}@media (min-width: 1024px){.css-yaqsty{font-size:2.778vw;}}@media (min-width: 1920px){.css-yaqsty{font-size:40px;}}</style><h2 role="title" data-cy="MosaicTitle" class="css-yaqsty e1ormahl1">How much does business insurance for LLCs cost?</h2><style data-emotion="css 14z516">.css-14z516{margin-top:1em;margin-bottom:1em;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:400;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-14z516{width:100%;font-size:2.083vw;}}@media (min-width: 1024px){.css-14z516{font-size:1.389vw;}}@media (min-width: 1920px){.css-14z516{font-size:20px;}}</style><div role="subtitle" data-cy="MosaicSubtitle" class="css-14z516 e1ormahl0"><div class="css-1vhugkq eta8xj40"><p>So how much is LLC business insurance? The business insurance cost LLCs face varies, depending on the kinds of risks your business faces. Some of these risks can include:</p> <ul> <li aria-level="1">How many vehicles you use for work</li> <li aria-level="1">Where your business is located</li> <li aria-level="1">What kind of work you do</li> <li aria-level="1">How long you’ve been in business</li> <li aria-level="1">Your claims history</li> <li aria-level="1">How high you set your coverage limits</li> <li aria-level="1">If you have or are going to hire any employees</li> </ul> <p>The exact price you’ll pay depends on all these factors. Bear in mind that, in general, jobs that include working on other people’s property often have higher insurance costs.</p> <p>NEXT <a href="https://www.nextinsurance.com/blog/understanding-insurance-terms-premium/">calculates your premium</a> (that is, your insurance costs) by taking into consideration all of the factors listed above, such as the likelihood that you’ll make a claim and how many vehicles you have.</p> <p>Note: It’s important to provide the most accurate information about your business when you <a href="https://app.nextinsurance.com/quote/get-started?quote=null&serial=90001&channel=ps&source=ps&prev_tracking_id=6f52be3aa328683a506d7df19e3cad46">get a quote</a> for insurance to make sure you get the coverage that is right for you and any claims are processed without delays.</p> </div></div><div data-cy="MosaicModuleCTAButton"><a target="_self" href="https://track.nextinsurance.com/links?serial=90001"><button class="group css-17uiwer eb5jaud17"><span>Get Instant Quote</span></button></a></div></div></div></div></div><div ni-selector="5-mosaic_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="5-mosaic"><div data-cy="MosaicModuleContainer" class="css-10ik3r8 e1ormahl5"><style data-emotion="css 7n0avb">.css-7n0avb{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding:4.267vw;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-column-gap:0;column-gap:0;}@media (min-width: 640px){.css-7n0avb{-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;padding:7.8vw;}}@media (min-width: 1024px){.css-7n0avb{padding:5.5vw;}}@media (min-width: 1920px){.css-7n0avb{margin-left:auto;margin-right:auto;width:1700px;padding-top:6rem;padding-bottom:6rem;}}@media (min-width: 640px){.css-7n0avb{-webkit-column-gap:7.447vw;column-gap:7.447vw;}}@media (min-width: 1024px){.css-7n0avb{-webkit-column-gap:7.889vw;column-gap:7.889vw;}}@media (min-width: 1920px){.css-7n0avb{-webkit-column-gap:5%;column-gap:5%;}}@media (min-width: 640px){.css-7n0avb{-webkit-flex-direction:row-reverse;-ms-flex-direction:row-reverse;flex-direction:row-reverse;}}</style><div class="css-7n0avb e1ormahl4"><div class="css-p0m1bl e1ormahl2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lets-get-a-quote-1.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lets-get-a-quote-1.png" alt="How do you get LLC insurance?" loading="lazy" fetchpriority="auto"/></picture></div><div class="css-1gxcrnk e1ormahl3"><h2 role="title" data-cy="MosaicTitle" class="css-yaqsty e1ormahl1">How do you get LLC insurance?</h2><div role="subtitle" data-cy="MosaicSubtitle" class="css-14z516 e1ormahl0"><div class="css-1vhugkq eta8xj40"><p>With LLC insurance, a company is covered in the event of an accident or injury. A customized insurance package will boost your confidence and allow you to focus on your business.</p> <p>NEXT is a one-stop shop for helping LLC businesses find the right insurance at affordable prices.</p> <p>Since we only help small business owners like you, we can create a <a href="/business-insurance/">customized business insurance</a> package tailored to your exact needs.</p> <p>Everything is online, so you can get an instant quote, review options and buy coverage in less than 10 minutes. You’ll have immediate 24/7 access to your <a href="https://www.nextinsurance.com/certificate-of-insurance/">certificate of insurance (COI)</a> as soon as you buy your insurance.</p> <p><a href="https://app.nextinsurance.com/quote/get-started">Get an instant quote today</a> to get started.</p> </div></div><div data-cy="MosaicModuleCTAButton"><a target="_self" href="https://track.nextinsurance.com/links?serial=90001"><button class="group css-17uiwer eb5jaud17"><span>Get Instant Quote</span></button></a></div></div></div></div></div><div ni-selector="6-related_posts_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="related-posts"><style data-emotion="css 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\"name\": \"Texas\", \"isSupported\": 1, \"supported_policy_type_ids\": [ 1, 2 ] }, { \"id\": 44, \"stateCode\": \"UT\", \"name\": \"Utah\", \"isSupported\": 1, \"supported_policy_type_ids\": [ 1, 2 ] }, { \"id\": 45, \"stateCode\": \"VT\", \"name\": \"Vermont\", \"isSupported\": 1, \"supported_policy_type_ids\": [ 1, 2 ] }, { \"id\": 46, \"stateCode\": \"VA\", \"name\": \"Virginia\", \"isSupported\": 1, \"supported_policy_type_ids\": [ 1, 2 ] }, { \"id\": 47, \"stateCode\": \"WA\", \"name\": \"Washington\", \"isSupported\": 1, \"supported_policy_type_ids\": [ 1, 2 ] }, { \"id\": 48, \"stateCode\": \"WV\", \"name\": \"West Virginia\", \"isSupported\": 1, \"supported_policy_type_ids\": [ 1, 2 ] }, { \"id\": 49, \"stateCode\": \"WI\", \"name\": \"Wisconsin\", \"isSupported\": 1, \"supported_policy_type_ids\": [ 1, 2 ] }, { \"id\": 50, \"stateCode\": \"WY\", \"name\": \"Wyoming\", \"isSupported\": 1, \"supported_policy_type_ids\": [ 1, 2 ] }, { \"id\": 51, \"stateCode\": \"DC\", \"name\": \"Washington DC\", \"isSupported\": 1, \"supported_policy_type_ids\": [ 1, 2 ] } ]","selectedDropdownItem":"","showZendeskSearchField":false,"heroImageModuleDisclaimer":"","displayReturnToQuote":false,"returnToQuoteText":"Return to Quote","returnToQuoteUrl":"https://track.nextinsurance.com/links?serial=90110","ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"featured_on","default_logos":true,"logos":false,"ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"article_content_module","displayModule":true,"displaySocialIcons":false,"title":"What is an LLC?","content":"\u003cdiv\u003e\n\u003cdiv\u003e\n\u003cdiv\u003e\n\u003cp\u003eAn LLC is a limited liability company, which is a business that is completely separate from your personal finances.\u003c/p\u003e\n\u003cp\u003eThis means that the LLC forms a wall between the company and you, the business owner, protecting your personal assets from being negatively affected if someone sues the business or if someone gets hurt as a result of your work.\u003c/p\u003e\n\u003cp\u003eIt’s more complicated to create an LLC than to simply run your business as a partnership or sole proprietorship, but there are real advantages to setting up an LLC.\u003c/p\u003e\n\u003cp\u003eLearn more about the pros and cons of creating an \u003ca href=\"https://www.nextinsurance.com/blog/independent-contractor-vs-sole-proprietor-vs-llc/\"\u003eLLC versus other types of companies\u003c/a\u003e.\u003c/p\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003cdiv\u003e\n\u003ch2\u003eDo I need business insurance if I have an LLC?\u003c/h2\u003e\n\u003c/div\u003e\n\u003cdiv\u003e\n\u003cp\u003eYou might be wondering: do I need business insurance for my LLC? The short answer is yes.\u003c/p\u003e\n\u003cp\u003eOne of the main benefits of forming an LLC is that your personal assets \u003ca href=\"/blog/does-llc-protect-your-business/\"\u003eare more protected\u003c/a\u003e.\u003c/p\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\u003cp\u003eIf a vendor slips and breaks their arm at your job site, your business could still be liable for covering the medical fees. If you don’t have liability insurance for your LLC, your business finances could be severely impacted.\u003c/p\u003e\n\u003cp\u003eA lawsuit could also put your business at risk. If you don’t have the proper insurance, you could be forced to pay out of pocket for legal defense costs even if you aren’t found liable.\u003c/p\u003e\n\u003cp\u003eThe only way to cover your business against these types of scenarios is to get LLC business insurance.\u003c/p\u003e\n\u003c/div\u003e\n\u003c/div\u003e\n","titleStyle":"AlpinaMediumH2","titleAlignment":"text-left","ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"lobs_coverage","displayModule":true,"title":"What type of insurance does an LLC need?","subtitle":"To get the full advantages of having an LLC, it’s crucial to support your business with the right amounts and types of insurance. It can help to cover your business if there’s an accident, injury or mistake.","bold_sentence":"Here’s a guide to some of the most common types of business insurance for LLCs:","lobs":["general_liability","workers_compensation","commercial_auto","commercial_property","errors_and_omissions"],"general_liability":{"lob_image":false,"lob_title":"General Liability insurance","lob_content":"\u003cp\u003e\u003ca href=\"https://www.nextinsurance.com/general-liability-insurance/\"\u003eGeneral liability insurance\u003c/a\u003e for LLCs can help to provide financial protection if an accident occurs at your business, such as a customer injury or damage to someone’s property.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eBodily injury\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eSometimes liability insurance is called “slip and fall insurance.” This is the part of your policy that would help protect your business if a client falls down the stairs at your office and breaks their arm.\u003c/p\u003e\n\u003cp\u003e\u003cstrong\u003eProperty damage\u003c/strong\u003e\u003c/p\u003e\n\u003cp\u003eGeneral liability also covers property damage to items that don’t belong to you. If you accidentally break a client’s window, your insurance will cover repair expenses up to your policy limit.\u003c/p\u003e\n","lob_link":{"lob_link_sentence":"Learn more about general liability insurance.","lob_link":"general-liability-insurance/"}},"workers_compensation":{"lob_image":false,"lob_title":"Workers’ Compensation insurance","lob_content":"\u003cp\u003e\u003ca href=\"https://www.nextinsurance.com/workers-compensation-insurance/\"\u003eWorkers’ compensation insurance\u003c/a\u003e can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees and it’s also a good idea to have business owner’s coverage for yourself.\u003c/p\u003e\n","lob_link":{"lob_link_sentence":"Learn more about workers’ compensation insurance.","lob_link":"workers-compensation-insurance/"}},"commercial_auto":{"lob_image":false,"lob_title":"Commercial Auto insurance","lob_content":"\u003cp\u003e\u003ca href=\"https://www.nextinsurance.com/commercial-auto-insurance/\"\u003eCommercial auto insurance\u003c/a\u003e provides coverage if you are involved in an accident in a business-owned vehicle. It can also provide coverage for accidents in your personal vehicle while it’s being used for work-related purposes.\u003c/p\u003e\n","lob_link":{"lob_link_sentence":"Learn more about commercial auto insurance.","lob_link":"commercial-auto-insurance/"}},"tools_and_equipment":{"lob_image":false,"lob_title":"Tools \u0026 Equipment insurance for construction contractors","lob_content":"\u003cp\u003eTools and equipment insurance can be added to your general liability insurance to help cover the cost of repairing or replacing your gear, whether it’s ladders or jackhammers.\u003c/p\u003e\n","lob_link":{"lob_link_sentence":"Learn more about tools \u0026 equipment.","lob_link":"tools-and-equipment-insurance"}},"commercial_property":{"lob_image":false,"lob_title":"Commercial Property insurance","lob_content":"\u003cp\u003e\u003ca href=\"https://www.nextinsurance.com/commercial-property-insurance/\"\u003eCommercial property insurance\u003c/a\u003e can help protect your business equipment, inventory and the building you work in. If your office is destroyed in a fire, property insurance can help with replacement costs or repairs.\u003c/p\u003e\n\u003cp\u003eIt can also help with the loss of business income while you get back up and running.\u003c/p\u003e\n","lob_link":{"lob_link_sentence":"Learn more about commercial property insurance.","lob_link":"commercial-property-insurance/"}},"errors_and_omissions":{"lob_image":false,"lob_title":"Professional Liability insurance (E\u0026O insurance)","lob_content":"\u003cp\u003eIf you make a mistake or a customer lodges a claim against you, \u003ca href=\"https://www.nextinsurance.com/professional-liability-insurance/\"\u003eprofessional liability insurance\u003c/a\u003e can help provide the financial protection you need to defend your company.\u003c/p\u003e\n","lob_link":{"lob_link_sentence":"Learn more about professional liability insurance.","lob_link":"professional-liability-insurance/"}},"business_owners_policy":{"lob_image":false,"lob_title":"Commercial Property insurance for restaurants","lob_content":"\u003cp\u003eRestaurant owners can buy property insurance to help protect business equipment, inventory, furniture and the commercial structures they own. \u003c/p\u003e\n\u003cp\u003eProperty insurance can help cover costs if your business property is damaged due to a covered event, such as a burst water pipe or fire.\u003c/p\u003e\n\u003cp\u003eIt can also help to replace inventory, such as spoiled food after a power outage.\u003c/p\u003e\n","lob_link":{"lob_link_sentence":"Learn more about commercial property insurance.","lob_link":"commercial-property-insurance"}},"hired_non_owned_auto":{"lob_image":false,"lob_title":"","lob_content":"","lob_link":{"lob_link_sentence":"Learn more about Business Owner’s Policy (BOP)","lob_link":"business-owners-policy"}},"liquor_liability":{"lob_image":false,"lob_title":"","lob_content":"","lob_link":{"lob_link_sentence":"Learn more about Business Owner’s Policy (BOP)","lob_link":"business-owners-policy"}},"product_liability":{"lob_image":false,"lob_title":"","lob_content":"","lob_link":{"lob_link_sentence":"Learn more about Business Owner’s Policy (BOP)","lob_link":"business-owners-policy"}},"employment_practices_liability_insurance":{"lob_image":false,"lob_title":"","lob_content":"","lob_link":{"lob_link_sentence":"Learn more about Business Owner’s Policy (BOP)","lob_link":"business-owners-policy"}},"ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"mosaic_module","displayModule":true,"mosaic_image":"https://www.nextinsurance.com/wp-content/uploads/2021/06/affordable.png","mosaic_image_alt":"How much does business insurance for LLCs cost?","mosaic_image_position":"left","mosaic_title":"How much does business insurance for LLCs cost?","mosaic_subtitle":"\u003cp\u003eSo how much is LLC business insurance? The business insurance cost LLCs face varies, depending on the kinds of risks your business faces. Some of these risks can include:\u003c/p\u003e\n\u003cul\u003e\n\u003cli aria-level=\"1\"\u003eHow many vehicles you use for work\u003c/li\u003e\n\u003cli aria-level=\"1\"\u003eWhere your business is located\u003c/li\u003e\n\u003cli aria-level=\"1\"\u003eWhat kind of work you do\u003c/li\u003e\n\u003cli aria-level=\"1\"\u003eHow long you’ve been in business\u003c/li\u003e\n\u003cli aria-level=\"1\"\u003eYour claims history\u003c/li\u003e\n\u003cli aria-level=\"1\"\u003eHow high you set your coverage limits\u003c/li\u003e\n\u003cli aria-level=\"1\"\u003eIf you have or are going to hire any employees\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eThe exact price you’ll pay depends on all these factors. Bear in mind that, in general, jobs that include working on other people’s property often have higher insurance costs.\u003c/p\u003e\n\u003cp\u003eNEXT \u003ca href=\"https://www.nextinsurance.com/blog/understanding-insurance-terms-premium/\"\u003ecalculates your premium\u003c/a\u003e (that is, your insurance costs) by taking into consideration all of the factors listed above, such as the likelihood that you’ll make a claim and how many vehicles you have.\u003c/p\u003e\n\u003cp\u003eNote: It’s important to provide the most accurate information about your business when you \u003ca href=\"https://app.nextinsurance.com/quote/get-started?quote=null\u0026amp;serial=90001\u0026amp;channel=ps\u0026amp;source=ps\u0026amp;prev_tracking_id=6f52be3aa328683a506d7df19e3cad46\"\u003eget a quote\u003c/a\u003e for insurance to make sure you get the coverage that is right for you and any claims are processed without delays.\u003c/p\u003e\n","bgColor":"white","display_cta_button":true,"ctaButton":{"ctaButton":{"title":"Get Instant Quote","url":"https://track.nextinsurance.com/links?serial=90001","buttonBgColor":"Blue","enable_arrow":false,"isScroll":false,"NISelectorScrollTo":""}},"image_content_ratio":"one_to_one","title_size":"normal","ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"mosaic_module","displayModule":true,"mosaic_image":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lets-get-a-quote-1.png","mosaic_image_alt":"How do you get LLC insurance?","mosaic_image_position":"right","mosaic_title":"How do you get LLC insurance?","mosaic_subtitle":"\u003cp\u003eWith LLC insurance, a company is covered in the event of an accident or injury. A customized insurance package will boost your confidence and allow you to focus on your business.\u003c/p\u003e\n\u003cp\u003eNEXT is a one-stop shop for helping LLC businesses find the right insurance at affordable prices.\u003c/p\u003e\n\u003cp\u003eSince we only help small business owners like you, we can create a \u003ca href=\"/business-insurance/\"\u003ecustomized business insurance\u003c/a\u003e package tailored to your exact needs.\u003c/p\u003e\n\u003cp\u003eEverything is online, so you can get an instant quote, review options and buy coverage in less than 10 minutes. You’ll have immediate 24/7 access to your \u003ca href=\"https://www.nextinsurance.com/certificate-of-insurance/\"\u003ecertificate of insurance (COI)\u003c/a\u003e as soon as you buy your insurance.\u003c/p\u003e\n\u003cp\u003e\u003ca href=\"https://app.nextinsurance.com/quote/get-started\"\u003eGet an instant quote today\u003c/a\u003e to get started.\u003c/p\u003e\n","bgColor":"white","display_cta_button":true,"ctaButton":{"ctaButton":{"title":"Get Instant Quote","url":"https://track.nextinsurance.com/links?serial=90001","buttonBgColor":"Blue","enable_arrow":false,"isScroll":false,"NISelectorScrollTo":""}},"image_content_ratio":"one_to_one","title_size":"normal","ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"related_posts_module","displayModule":true,"bgColor":"white","title":"Take a look at some helpful blog posts","manualChoosePosts":"choose","relatedPostsList":[{"one_related_post":{"slug":"does-llc-protect-your-business","title":"Does an LLC protect your business and personal assets?","featuredImage":"https://www.nextinsurance.com/wp-content/uploads/2019/12/december_2019_12-645x360.jpg","isNewLabel":true,"postTag":null,"category":{"taxonomy":"blog-business-category","name":"Start","slug":"start"}},"bgColor":"white","hover_bgColor":"sky"},{"one_related_post":{"slug":"cost-to-set-up-an-llc","title":"How much does it cost to set up an LLC?","featuredImage":"https://www.nextinsurance.com/wp-content/uploads/2019/10/november_2019_4-645x360.jpg","isNewLabel":false,"postTag":null,"category":{"taxonomy":"blog-business-category","name":"Start","slug":"start"}},"bgColor":"white","hover_bgColor":"sky"},{"one_related_post":{"slug":"how-to-pay-yourself-from-your-llc","title":"How to pay yourself from your LLC?","featuredImage":"https://www.nextinsurance.com/wp-content/uploads/2020/02/feb_2020_8-645x360.jpg","isNewLabel":false,"postTag":null,"category":{"taxonomy":"blog-business-category","name":"Grow","slug":"grow"}},"bgColor":"white","hover_bgColor":"sky"}],"relatedPostsListManual":false,"ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}}],"seo":{"title":"LLC Insurance: Why Your Business Needs It | NEXT","description":"An LLC keeps your personal assets separate from your business. 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