Business Insurance Starting Checklist
A printable checklist for reviewing business operations and insurance questions before opening.
Email me this guide →Build on solid ground
Business owner resources. A clearer place to start.
From your first lease to your first customer, here’s what to consider when protecting the work you’re putting in.
Hoppy Insurance Agency · Virginia & Florida
Made to be useful
A useful place to start
Find a guide for the question in front of you. We’ll email your free PDF so it’s easy to keep. Marketing emails are optional.
What Your Landlord May Require
Questions about certificates of insurance and lease requirements.
Email me this guide →Business Auto or Personal Auto?
Why using a vehicle for work deserves a closer look.
Email me this guide →Annual Insurance Checkup
A general review checklist you can revisit as your business changes.
Email me this guide →What to check first
Get the important details sorted
Your work, contracts and equipment help determine what insurance makes sense. Start with the real-world details.
01 · EXPLAIN THE WORK
Start with what you actually do.
Tell your agent your services, products, location and where you work. The details help determine what insurers may consider.
02 · CHECK THE REQUIREMENTS
Read your contracts and lease.
A landlord, lender, client or licensing authority may require specific insurance. Ask for the exact wording and limits.
03 · PLAN FOR CHANGES
Think beyond opening day.
Hiring employees, adding equipment or using vehicles for work can change your insurance needs and legal obligations.
How Hoppy can help
One less thing to guess about.
Tell us how your business actually works. We can help identify the insurance questions worth asking.
Straight answers
Questions we hear often
Does an LLC mean I do not need business insurance?
No. A business structure and an insurance policy serve different purposes. An LLC does not replace insurance or contractual requirements.
Will my homeowners policy cover my business?
Business-related activities and property may have limited or excluded coverage under a homeowners policy. Ask before assuming the protection is there.
When should I ask for insurance quotes?
Before your business begins operations or you need to meet a lease, contract or other requirement. Some coverages require underwriting and time to arrange.
Do I need workers’ compensation?
Requirements depend on state law, your business and workforce. Confirm the rules applicable to your situation and do not assume an exemption.
Hoppy to help
Tell us what you’re building.
A quick conversation about what you do can help us identify the insurance questions worth addressing first.
General information only, not legal, financial or individualized insurance advice. Coverage, eligibility, limits, deductibles, exclusions, timing and prices depend on the insurer, state and actual policy. A quote request does not bind, issue or change coverage. Confirm applicable requirements with your insurer, lender, regulator or qualified professional as appropriate.
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