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Small business insurance

Your business is our specialty. We focus on creating custom insurance solutions so that you can focus on what you do best.

  • 70+ years of experience and knowledge of niche markets help us guide small businesses.
  • We are dedicated to delivering quality customer service from our experienced claims staff to our risk engineering team, offering tailored solutions to help protect your business.
  • Our claims professionals specialize in the industries and communities we serve and understand the importance of getting your business back on track as quickly as possible.

Small business coverage options

  • Accident medical

    With accident medical protection, you can help protect people against unexpected medical-related costs.

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  • Business owners policy (BOP)

    We bundle together the two foundational policies every small- to mid-size business needs: commercial property insurance and commercial liability insurance.

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  • Commercial general liability

    Protect your business from third-party claims if you are found legally liable for losses resulting from bodily injury to others or property damage.

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  • Commercial package policy

    A commercial package policy (CPP) provides a package of commercial policies that combines two or more coverages.

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  • Commercial property

    Get coverage for the three basic types of property most businesses need to operate: the building, contents, and other people's property.

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  • Commercial umbrella

    Receive additional liability limits and protection to help cover costs of catastrophic claims and lawsuits if your business is found legally liable for losses.

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  • Miscellaneous errors and omissions

    Also referred to as professional liability, E&O offers flexible coverage designed for a wide variety of small businesses and sole practitioners.

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  • Professional liability

    We work to offer white-collar businesses insurance coverage related to "acts or omissions" and contractual liability.

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  • Workers compensation

    Protect both employees and employers if someone is injured on the job or develops a work-related illness.

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Industry specializations

Child development and recreation
We offer coverage for in-home or commercial child care centers, as well as other education-related facilities like tutoring centers.
Main street business
Main street businesses
We provide innovative commercial coverage options and affordable protection.
Commercial and residential services
We provide a variety of affordable insurance solutions designed for commercial or residential service businesses, such as contractors, lawn care, janitorial, or pest control operations.
Medical services
Whether you have an ambulance service, a hospital fleet, or a medical office, we can deliver customizable coverages.
Education
Find specialized insurance protection whether you're for-profit, not-for-profit, or a publicly funded education center.
Horse and farm
Horse and farm
With over half a century of expertise in providing insurance solutions, we can meet your specific farm and personal or commercial equine needs.
Sports and fitness
Protect your business against property and liability claims with affordable insurance options for martial arts, dance, gymnastics, health clubs, and other related businesses.

testimonials

Hear from customers about their experience working with Markel.

  • "Coverage is amazing. I am always able to speak to someone and help explain what I need, and why. And when COVID-19 shutdowns began Markel was there for me and my company and I could not have asked for more."
  • "Markel has offered me affordable coverage for my small business and has always met or exceeded my expectations regarding communication."

     

  • "Markel has solutions for many hard to insure exposures."

     

     

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We can answer your questions, whether you're a customer or an agent.

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Explore your options by insurance product type.

Additional services and insights

  • Managing high injury rates for new and inexperienced workers

    According to the US Bureau of Labor Statistics, more than one-third of work-related, nonfatal injuries occur in employees who have been on the job less than a year.

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  • New York Labor Law – The triad and the triumvirate

    When it comes to handling claims under the New York Labor Law, claims specialists are presented with unique challenges.

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  • Claims

    Find a sense of comfort knowing you have a team working in your best interest to help you get the most from your insurance protection.

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  • Risk Solution Services

    We guide you through the maze of risks with customized solutions designed specifically for your needs.

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  • Company responsibility

    Our dedication to a responsible, sustainable approach consistently reflects the guidance of our company compass, the Markel Style.

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