insurance-commercial (4 facts)

• Does a small business need commercial auto insurance?
  Yes for vehicles used in business operations — personal auto policies commonly exclude or limit business use, and most states require commercial coverage for business-owned vehicles.
• How much does general liability insurance cost for a small business?
  Most small businesses pay roughly $500–$1,200 per year for a general liability policy with a $1M/$2M limit.
• What is a business owner's policy (BOP)?
  A BOP bundles general liability, commercial property, and business interruption insurance into one policy, usually at a lower total price than buying them separately.
• Do small businesses have to carry workers' compensation insurance?
  In almost every US state, yes — businesses with employees must carry workers' comp; Texas is the principal voluntary state.