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Property & Liability Insurance

The business owners policy that you need

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Protect Your Business from Unexpected Claims

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This type of coverage, also called a business owner’s policy (BOP), is a simplified approach to commercial insurance for small businesses. By combining general liability insurance and commercial property insurance, along with other coverages, you could benefit in several ways:​

Our sole mission is to give small business owners like you top-tier, yet cost-effective, insurance options. We sell our property and liability insurance policies directly to you, online or over the phone. Your choice. Either way, you’ll be saving up to 20% compared to other companies. There’s no middleman or unnecessary fees, just an insurance policy and an insurance company here to make sure your small business is covered.

What Does Property & Liability Insurance Cover?

General Liability Insurance Typically Covers

  • Property Damage. When customer property is damaged by an employee, your coverage may help pay for repairs or replacement.

  • Bodily Injury. If someone other than an employee is injured on your property, this coverage can help with medical expenses plus legal expenses and damages.

  • Product Liability. If products developed or sold by your business harm people or property, this coverage could help pay legal expenses associated with product liability lawsuits and medical expenses if an injury occurs.

  • Libel, Slander, and Copyright. This coverage helps protect you against some lawsuit expenses from personal and advertising injury. Advertising injury can include disparaging another business in your advertisements, stealing an advertising idea, and more.

Property Insurance Typically Covers

  • Your Building or Leased Space. This coverage provides protection for the building you own or even a building where you are required to provide insurance coverage as part of the lease.

  • The Contents of Your Building. Property insurance can cover inventory, equipment, or tools and other people’s property in your building that has been damaged by an employee, yourself, theft, natural disaster, or weather.

  • Income From Your Business. In the event of a disruption or property damage, you may be covered for the expenses needed to resume business, including covering net income, payroll costs, and even temporary business relocation.

What If I’m a Contractor or If I Operate my Business from My Home?

You could still benefit from general liability insurance as a freelancer, contractor, or home business owner because you face many of the same risks as brick-and-mortar businesses. Property and liability insurance can be important to your small business because:

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Required by Clients

Some companies require that contractors and freelancers have insurance because it protects the company from financial loss due to their actions.

Financial Reports

Financial Protection

Freelancers, contractors, and home business owners can be sued for damaging client property or causing injury. A general liability policy covers related costs.

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Maybe Required by Law

State and federal law requires general liability insurance for independent contractors in certain industries such as construction. Check with your state to see if it is required,

What Does General Liability Insurance Usually Cost for A Small Business?

In 2019, the national average monthly cost for a business owner's policy through PeoplesAlly was $80 per month. Remember, this is only an average and isn’t necessarily what you’ll pay. Your rate depends on the specific features of your business. With PeoplesAlly, you get to avoid a lot of broker fees and other unnecessary fees, which can save you up to 20%.

We specialize in offering popular insurance products for the new industry norm given the 2020 pandemic.

Contact us now to talk to a professional.

We Are Insurance Experts

We have over 10,000 satisfied customers and 30+ years of insurance experience. We have seen it all and can get you the best package for your needs.

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Best Value

at Cheapest Rate

We get you the best value for your dollar on all insurance products. No hidden costs and no surprises. 

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No Hassle

3-Minute Quote

We don't hassle you with pushy sales pitches. Fill out our one pager quote sheet in far less time than others.

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No Spam

We only require some basic info for a generic quote. No need to provide sensitive information and no spam.

Providing People with Protection Everywhere

PeoplesAlly is trusted by thousands of businesses no matter what size. We can help you meet your insurance needs in any industry or line of business.

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There are many kinds of insurance out there, but as an accounting & finance business owner, you have very unique needs. At PeoplesAlly, we’ll help you understand what kind of insurance is best for you. Just fill out a simple form online or speak with one of our licensed insurance experts to get a free quote. Plus, with PeoplesAlly, you can purchase a policy, manage it, and submit claims online for ultimate convenience.


“The PeoplesAlly team is extremely knowledgeable and will work hard to find you the best quality and price available. Very professional, no bait and switch, and will give you the bottom line even if it means losing you as a customer. I appreciate honesty rather than sleazy sales people.  

—  Samantha D

Learn More

Find out more about what makes us a great company. Learn the basics of various insurance policies we offer. Keep up with the latest news and resources.


Answers to all of your questions about insurance products and the pros and cons of each.


Reference Articles

View our latest insurance articles and find resources to help you figure out  steps along the way.


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