Planning tool
Small Business Insurance Needs Quiz
Answer simple questions about your business to build a research checklist of policies to discuss with a licensed professional.
We do not sell policies directly. We help you understand coverage questions before speaking with licensed insurance professionals.
Business type, ZIP code, payroll, revenue, employees, vehicles, contracts, equipment, and coverage needs.
Your research checklist will appear here
Use the result to prepare questions for licensed insurance professionals. It is not a coverage recommendation.
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Compare Quotes →How to use this tool
Answer simple questions about your business to build a research checklist of policies to discuss with a licensed professional. The output is intentionally conservative: it highlights coverage areas to research, not policies you must buy. Rules, contracts, underwriting, and exclusions can change the answer.
What to prepare next
After using the tool, gather your business address, state, industry, revenue, payroll, employee count, vehicle use, equipment values, client contracts, lease requirements, prior claims, and any certificate of insurance wording. Use the checklist to ask better questions when comparing quotes.
Limitations
This planning tool does not collect enough information to determine legal requirements, policy suitability, pricing, underwriting eligibility, or claim outcomes. It should be used only as a research starting point before speaking with licensed insurance professionals.
When to get help
Ask a licensed insurance professional for help if a contract requires specific wording, you operate in multiple states, you hire employees, you use vehicles for work, your business handles client data, or you are unsure whether a personal policy excludes business activity.
Frequently asked questions
Can this tool tell me exactly which insurance to buy?
No. The quiz creates a research checklist based on a few inputs. Actual coverage decisions require a licensed agent reviewing your contracts, state requirements, payroll, vehicles, property, and prior claims.
How accurate is the quiz output?
The quiz uses common rules of thumb (for example, workers comp once you have employees, commercial auto when vehicles are titled to the business). It will not catch every nuance, like state-specific exemptions or industry licensing rules.
Does the quiz save or share my information?
No. The quiz runs entirely in your browser and does not submit answers to BusinessPolicyGuide or any third party. Refreshing the page clears your responses.
Why does the quiz suggest multiple policies?
Small businesses typically need several policies because different risks (third-party injury, employee injury, vehicles, property, professional mistakes, cyber) are handled by completely separate coverage types.
What should I do with my checklist results?
Share the checklist with at least two licensed insurance professionals, ask each one to quote the same coverages and limits, and compare the proposals side by side before making a decision.
Can I use this quiz for a multi-state business?
The quiz is a general starting point. Multi-state operations have state-specific workers compensation, commercial auto, and licensing rules that should be reviewed with an agent licensed in each state where you operate.
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