Small Business & Startups: Insurance, Simplified for Growing Teams

💼 Protecting What You’re Building—Without the Confusion

Introduction

Whether you’re freelancing full-time, just launched your first Shopify store, or growing a 3-person startup, the risks are real. One wrong contract, a single lost shipment, or a client dispute can cost you time, money, and credibility.

This section of InspireInsure is designed specifically for U.S.-based solopreneurs, founders, and small teams who want to grow smart—and stay protected while doing so.

We break down what insurance you need, how to keep costs low, and how to avoid the fine-print traps that most guides skip.

🧩 What You’ll Find Here

Core Insurance Must-Haves

We explain the foundational policies—such as General Liability, Professional Liability, and Business Owner’s Policies (BOPs)—with examples, real costs, and guidance on choosing coverage that suits a one-person or small team business.

Pricing Benchmarks

No more guessing. Learn what coverage should cost for:

Freelancers earning $30k–$100k/year
Micro-agencies with 2–5 contractors
Shopify or Etsy sellers shipping products
New LLCs looking to stay compliant

Scalable Coverage Tips

As your team grows or you sign bigger contracts, you’ll need to upgrade your insurance. We show you when to update, what triggers higher premiums, and how to stay insurable as you scale.