Small Business Insurance
Insurance That Matches Your Stage of Growth
Every business faces risk from day one. Liability exposure, property loss, and employment responsibilities are part of running any operation. Lanco Brokerage specializes in small business insurance programs tailored to your industry, size, and budget. Whether you’re a startup, a growing retail shop, or an established service provider, we build coverage that fits the way you work so you can focus on the business, not the paperwork.
What Coverages Do Small Businesses Need?
A comprehensive small business insurance program addresses the full range of exposures companies face from on-site incidents and property damage to completed operations and professional liability.
- General liability for bodily injury and property damage
- Workers' compensation for employee injuries and lost wages
- Commercial property for equipment, inventory, and furnishings
- Business interruption coverage for lost income during closures
- Completed operations coverage for post-service claims
- Umbrella and excess liability for larger contracts and leases
- Cyber liability for data breaches and technology risks
- Professional liability for errors and omissions claims
Related Coverage Options for Small Businesses
More Than a Policy. A Partner for Every Stage of Growth.
Choosing the right broker for small business insurance matters as much as choosing the right policy. With more than three decades of hands-on experience, Lanco Brokerage brings deep market knowledge and carrier relationships that national brokers can’t match. We understand what retailers, service businesses, and growing companies need fast certificates, broad coverage, and a team that picks up the phone.
- 35+ years serving businesses and property owners
- Same-day certificates of insurance available
- Bilingual service in English and Spanish
- Independent broker we shop multiple carriers on your behalf
- Licensed specialists who understand your industry
- Programs built for businesses of all sizes and trades
talk to an insurance specialist
Get expert guidance from licensed insurance professionals who understand your unique needs. We’re here to help you find the right coverage—fast. Call us today to get started!
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Understand Your Coverage
Already a client? Unsure what your policy includes? Get a clear breakdown of your current coverage, exclusions, and options for updates or changes.
Get a Competitive Quote
We can help you find the right policy and potentially lower your premiums. Let us shop for you and show you what you're missing!
make a claim
When the unexpected happens, our claims support team is here to guide you every step of the way. We work with you to handle your claim efficiently.
Online Resources for Small Businesses
Staying informed about small business insurance requirements and regulations is an essential part of running a compliant operation. The U.S. Small Business Administration (SBA) offers authoritative guidance on business insurance requirements, risk management, and growth at every stage. The U.S. Department of Labor (DOL) provides workplace safety regulations applicable to all businesses with employees. The Insurance Information Institute (III) is a trusted resource for small business owners looking to understand coverage options and compliance requirements across all US states. Our team stays current on regulatory changes and contract requirements so your small business insurance coverage remains compliant and competitive.
1.) Is General Liability insurance required by law?
Requirements vary by state, but many clients, landlords, and contracts require General Liability before you can work with them or lease commercial space.
2.) What's the difference between a BOP and separate policies?
A BOP bundles General Liability and Commercial Property insurance into one cost-effective package. Buying them separately is typically more expensive. A BOP is ideal for small to mid-sized businesses with a physical location and is the most common small business insurance solution we recommend.
3.) How quickly can I get a certificate of insurance?
In most cases, we can issue a certificate of insurance the same day, often within hours of your request. If you have an urgent contract or job start date, call us directly and we’ll prioritize your certificate immediately.
