How many insurance policies does a small business really need? 🤔 The short answer: it depends on the risks involved and how the business operates. Small business insurance isn’t one-size-fits-all. Different policies protect against different “what ifs.” Here’s a simple breakdown: General liability: Helps cover customer injuries, property damage, and legal costs. Commercial property: Protects a workspace, equipment, and inventory from fire, theft, or weather damage – owned or rented. Workers’ co