There is no single policy that covers every small business. Common starting points include general liability or a Business Owners Policy, then commercial property, commercial auto, and workers' compensation where employees are involved.
Contracts, landlords, and clients often request certificates of insurance. Professional advice, data, vehicles, and leadership decisions can introduce additional coverages such as professional liability, cyber, EPLI, or D&O.
The right mix depends on operations, locations, people, property, and contractual requirements—not a generic package.
Coverivo can help organize this conversation. Placement still depends on licensing, market appetite, and underwriting.