Consumer's Guide to Insurance for Small Business Owners

​​​​​​​​​Last Updated: November 21, 2023​

Small business owners have to deal with many insurance needs: property, liability, auto, worker's compensation, health, and disability insurance.

This guideis designed to inform you about​

  • the different types of insurance available for small businesses
  • how to buy the coverage you need​
  • how to file a complaint with OCI​ 

To more easily view a glossary term in a PDF within your internet browser, simply hold the CTRL (control) key (or ⌘ key on a Mac) while clicking on the dotted-underlined term​. This will open the glossary in a new window, allowing you to hold your spot within the consumer guide.

Request a Copy by Mail
Order a publication online here or call 1-800-236-8517 to request a copy.

File a Complaint
If you have a specific complaint​ about your insurance, refer it first to the insurance company or agent involved. If you do not receive satisfactory answers, contact the Office of the Commissioner of Insu​rance (OCI).