SIG is Heading to the FIAIA 2025 Conference – Are You?

As a small business owner, you wear many hats—but risk manager might be the most important one. In 2025, threats to small businesses are evolving. From cyberattacks to severe weather and increasing legal claims, having the right insurance coverage is no longer a luxury—it’s a necessity.
If you’re wondering what coverage you really need, here’s a breakdown of the essential insurance policies every small business should consider..

General Liability Insurance

This is your foundational policy. It protects your business from third-party claims involving bodily injury, property damage, or personal injury (like libel or slander). If someone slips on your premises or claims your product caused damage, this policy covers legal fees, settlements, and medical costs. Why it’s essential: It’s often required for leases, contracts, and vendor relationships.

Commercial Property Insurance

Workers’ Compensation Insurance

If you have employees—even part-time—you need workers’ comp. It covers workplace injuries and illnesses, paying for medical expenses and lost wages. It also protects your business from costly lawsuits. Required in most states: Non-compliance can result in hefty fines or legal issues.

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SIG is Heading to the FIAIA 2025 Conference – Are You?

General Liability Insurance

Commercial Property Insurance

Workers’ Compensation Insurance

Stay Informed – Subscribe Today

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