360 Risk Partners provides insurance for all your needs.

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Call us at 888-885-4144 and we will help walk you through the process.

What does small business insurance cover?

Small business insurance should cater to the specific needs of your business. It is not a single policy that fits all. At 360 Risk Partners, we understand that each business is unique, which is why we work closely with you to ascertain the coverage requirements for your business. Subsequently, we provide you with the most suitable insurance options. Below, you will find some of the most commonly used types of small business insurance, favored by entrepreneurs worldwide.

Workers’ Compensation Insurance

If your business has employees, workers’ compensation insurance is usually required by law. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.

General Liability Insurance

General Liability, or “CGL” Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. It covers situations where someone is injured on your business premises or if your business activities cause damage to someone else’s property.

Commercial Auto Insurance

If your business owns vehicles used for business purposes, such as delivery trucks or service vehicles, commercial auto insurance provides coverage for those vehicles. This includes liability coverage for accidents and physical damage coverage for the vehicles.

Commercial Property Insurance

Property insurance covers physical assets such as your building, inventory, furniture, equipment, and fixtures against risks like fire, theft, vandalism, and natural disasters.

Professional Liability Insurance (E&O)

If your business offers professional services professional liability insurance can protect against claims of errors, omissions, or negligence in providing those services.

Business Interruption Insurance

Crime insurance provides coverage for losses resulting from criminal activities such as theft, fraud, and employee dishonesty. It helps protect against financial losses arising from criminal actions within your business.

Business Owners Policy (BOP)

A business owners policy, or “BOP” is all the coverage most small businesses need in one easy package with two main areas: commercial property insurance and general liability insurance.

Cyber Liability Insurance

Cyber insurance, also called cyber security insurance, is designed to protect your business from the financial consequences of viruses, malware, security breaches, ransomware, or other cyber crimes.

Commercial Umbrella Insurance

Commercial umbrella, or “commercial excess” is a policy designed to cover a loss that exceeds the limits of your basic business liability limits offering up to $10 million of additional funds.

Builders Risk Insurance

Builder’s risk, sometimes referred to as “course of construction”, is a form of commercial property insurance which covers a building while presently being constructed or heavily remodeled. It can cover just the structure, or also the materials on site waiting to be installed or transported to the job site.

Commercial Trucking

Similar to commercial auto insurance, commercial trucking insurance provides liability, comprehensive, and collision coverage, as well as additional coverages specific to trucking use. It’s designed to protect your business from significant losses that could affect your company’s financial wellbeing.


A bond in layman’s terms is a way to secure a debt. It’s a way for you to put up a little cost up front that says “I am letting you borrow this money so as to your agreement to pay the face value of said bond if ever needed”.

Our commercial specialties.

Specializing in Tough to Place Risk.

360 Risk Partners specializes in offering specialized insurance options designed to help you effectively manage operational risks. Regardless of whether you are an established company or a new venture, we can assist you in optimizing your performance by minimizing your exposure to risk. Our insurance solutions are comprehensive and customized to meet your specific needs.


Staffing & PEOs

Home Healthcare & Assisted Living


Restaurants & Hotels

1099s & Shift/Gig Workers

Transportation & Trucking

Non-profits & Public Entities

See the difference with 360 Risk Partners.

24/7 Policy Center.

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Making Business Insurance Easy.

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