Starting a new business is exciting — but before you open your doors, sign a lease, or hire your first employee, there’s one critical question you need to ask:
Do I need insurance before I can legally operate?
The answer, for many businesses, is a clear YES.
In fact, for some industries, having the right insurance policy in place isn’t just a smart precaution — it’s a legal or contractual requirement.
Skipping this step can mean fines, license delays, broken contracts, or even lawsuits before your business gets off the ground. Don’t let a missing policy stop your dream before it starts.
✅ Common Types of Businesses That Require Insurance from Day One:
1. Construction & Contracting Businesses
Contractors, electricians, plumbers, and other tradespeople are typically required to carry General Liability Insurance and Workers’ Compensation Insurance before they can obtain licenses or bid on jobs.
2. Healthcare Providers & Clinics
Medical professionals like doctors, therapists, and clinics often cannot practice without Professional Liability Insurance (Malpractice Insurance) — it’s often a state requirement.
3. Restaurants & Food Services
Most commercial landlords will demand proof of General Liability Insurance before leasing a space. If alcohol is served, Liquor Liability Insurance may also be required.
4. Transportation & Delivery Companies
Businesses using vehicles for deliveries or transport services need Commercial Auto Insurance. Without it, operating vehicles legally or securing contracts is impossible.
5. Real Estate Brokers & Property Managers
Errors & Omissions Insurance (E&O) is often required to protect against claims of negligence, and many clients won’t sign contracts without proof of coverage.
6. Retail Businesses
Whether you’re opening a boutique or an online store with physical inventory, landlords and vendors may require Liability Insurance and Property Insurance before doing business with you.
7. Childcare Centers & Educational Services
Licensed childcare facilities are usually required to carry Liability Insurance, sometimes including Abuse & Molestation Coverage, to meet state licensing standards.
8. Manufacturers & Product Distributors
Large retailers often require proof of Product Liability Insurance before agreeing to stock or distribute your products.
9. Professional Services (Accountants, Consultants, Financial Advisors)
Many client contracts require E&O Insurance to ensure protection against errors, omissions, or claims of negligence.
⚠️ Don’t Risk Your Business Before It Even Begins
The last thing you want is to lose time, money, or opportunity because you missed a required insurance policy. The right coverage not only protects your business — it also builds trust with clients, landlords, and partners.
At CrossWay Financial & Insurance Services, we specialize in helping business owners like you get the coverage they need to launch with confidence.
✅ Use the form below to request your appointment and enjoy a FREE consultation with one of our experienced insurance advisors.
Let’s make sure your business starts strong — and stays protected.
And then Add to Home Screen.