Business Insurance

A variety of commercial business insurance options to choose from below

Financial damages can result from unexpected accidents, damages to your property, professional errors, compensation claims from employees and several others that can leave you in a difficult situation.  Having good coverage for these unexpected incidents is critical and with commercial business insurance, you will not only be protecting your small business from financial damage but also minimizing the negative impacts of claims on your business. 

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Types of business insurance

The Firefly Advantage Business Program offers a range of coverage, from basic protection to specialized, with several types of commercial insurances to choose from.  This guarantees the best combination of coverage for your business, at every stage of its development. 

General Liability

Also referred to as ‘Business Insurance’, most small businesses need this coverage, which protects against bodily injury of employees, damage to property, and any completed operations and advertising injuries that may arise.

Commercial Auto

If your business uses any form of vehicles, then you will need this insurance, providing both liability and physical damage protection for all vehicles and trailers in your business. It covers delivery and transporting tools and equipment, as well as travelling between job sites.

Professional Liability

If your business offers any professional services or advice, liability protection is for you, protecting against any claims of professional negligence. It is more commonly known as Errors and Omissions Insurance (E&O).

Cyber Insurance

Businesses that store or process any form of sensitive data such as credit card information for payments, should consider this insurance to protect against electronic threats, data breaches and cyber-attacks.

homeowners insurance
Business Owners Policy (BOP)

Choosing this package combines both business liability and property coverage and is the most common choice for small businesses with commercial buildings or personal properties.

Workers' Compensation

This covers employees on the job who become injured and helps pay for expenses such as medical costs or lost wages, protecting the business and its employees.

Business insurance cost

The national average cost of a yearly business insurance policy taken out in 2020 with the Firefly Advantage Business Program ranged from $46 a month for professional liability to $86 for workers’ compensation.   


Incorporated in the cost are a variety of factors, including the type of business industry you are in and the specific type of jobs that are carried out and therefore the exposure to risks will be different.  A landscaping company for example, only mows lawns, but another offers additional services such as tree trimmings and so their average cost per month will be different to include the insurance of the additional services.    


Contact us now to discover the range of rates we offer, the factors that influence your business insurance rates and what you can do to get the best coverage you need at the best price.

Customized coverage

When it comes to customization, we have got you covered.  We offer only the best customized coverage to match every individual’s business level and their exposure to certain risks.  Every customized policy includes the coverage that is needed, with all the limits to match the specified requirements, which of course is flexible, as your situation changes.  You can update your policy at any time, even if you simply change your mind.   

 The “one-size fits all” policy does not actually “fit all” and there may be many gaps in the coverage that leave your business exposed.  It may seem that the general liability option covers any type of business liability but, there still may be areas left uncovered in your business and the risks exposed.  Ask us to learn the differences between general liability and professional liability insurance.   

 Our focus is to customize each and every policy upfront to avoid leaving anything out, uncovered, so you can feel confident you are getting the risk type of insurance, first time around.    

Let us help you with a business insurance quote

Our aim is to help you feel confident, having chosen the right insurance coverage for your business.  Below are just a few of the many reasons you should choose Firefly to help you find the best insurance for your business. 


There are a range of business sizes and with time, businesses grow.  Our personalized policies are flexible to help secure coverage at any stage of your business’s development.  Our specialised agents will work with your business to make sure the best policy is put in place, getting protection that meets both your needs and budget.   


We offer many different ways to get customized insurance for your business, through a quote online, via phone, or through a local agent.  Through our easy system, updating your policy is usually activated the very same day you make the request.  

 Expert support 

Our years of experience as business insurance providers make us the #1 Commercial Auto Insurer in America, you can be confident that we will support you from start to finish.  Our team consists of specially trained in-house agents who will help your business at every step, ensuring you receive the best coverage, today, tomorrow and every day.   

Common questions

What does my business insurance cover? Which coverages do I need? Why do I need business insurance? Do I need business insurance if I’m a sole proprietor? Can Firefly help me get business insurance in my state?

Business insurance is more of a general term used and can refer to a single coverage, such as general liability, or multiple coverages for your business.  We use it to describe all the types of coverage that protect a small business, which vary depending on the specific risks a business carries.  

Each and every business is unique and has different needs, but nearly all businesses should consider general liability.  This is the most common coverage which protects a wide range of businesses against a variety of risks involving third-party injuries or property damage (e.g., broken windows or unexpected falls). 

 Businesses that involve employers and employees driving for work-related tasks, commercial auto insurance is also one to consider, as most states require a business to carry workers’ compensation if it has employees.   

 If you are unsure which insurance coverage you need, just answering a few simple questions, you can find out which insurances you should consider for your small business.    

Every business is at risk, no matter how small, and so business insurance is a must to protect against severe financial loss which could leave your business crippled by a single incident.  Do not wait until one unexpected injury and the costs of legal responsibilities, insurance, medical and legal fees, leave you unable to afford the loss.   

Yes!  Sole proprietors are personally responsible for the debts of a business which means that any personal assets they own, bank accounts and properties are all at risk and will be targeted to pay off an outstanding debt.  Accidents are not only unpredictable and unavoidable, but their financial impact have drastic effects that should be accounted and planned for, no matter how small the business is.   

Yes, of course!  We help with a variety of business coverage, personalized to suit each and every business, such as general liability, a business owners policy (BOP) and professional liability, in all states except Hawaii.