Top Risks Covered by Business Insurance in 2025

The business landscape is evolving rapidly, and new risks emerge every year. Without proper coverage, one unexpected event could devastate your company’s finances. At THAgency, we help businesses like yours stay protected with tailored insurance solutions.

Here are the top risks business insurance will cover in 2025—and how to safeguard your operations.

1. Cyberattacks & Data Breaches

(Why it’s critical in 2025: Hackers are targeting small businesses more than ever.)

• Ransomware attacks shutting down operations

• Client/customer data theft leading to lawsuits

• Phishing scams draining business accounts

✅ Solution: Cyber Liability Insurance covers breach response, legal fees, and recovery costs.

2. Employee Injuries & Workers’ Comp Claims

(Why it’s critical in 2025: Workplace safety regulations are tightening.)

• Slip-and-fall accidents

• Repetitive strain injuries (e.g., warehouse, office work)

• Long-term disability claims

✅ Solution: Workers’ Compensation Insurance is mandatory in most states and covers medical bills + lost wages.

3. Customer or Client Lawsuits

(Why it’s critical in 2025: Rising litigation trends mean more businesses face lawsuits.)

• Slip-and-fall accidents at your location

• Product liability claims (defective goods causing harm)

• Professional negligence (errors in services)

✅ Solution: General Liability & Professional Liability Insurance protect against legal fees and settlements.

4. Property Damage & Natural Disasters

(Why it’s critical in 2025: Climate-related incidents are increasing.)

• Fire, floods, or storms damaging your business

• Vandalism or theft of equipment

• Business interruption losses

✅ Solution: Commercial Property Insurance covers repairs, replacements, and lost income.

5. Auto Accidents (Company Vehicles)

(Why it’s critical in 2025: More delivery & mobile services mean higher accident risks.)

• At-fault collisions while on business

• Damage to third-party property

• Employee injuries in work-related crashes

✅ Solution: Commercial Auto Insurance is a must if you use vehicles for business.

6. Employee Lawsuits (Discrimination, Harassment, Wrongful Termination)

(Why it’s critical in 2025: Workplace culture is under more legal scrutiny.)

• Discrimination claims

• Harassment allegations

• Wrongful termination lawsuits

✅ Solution: Employment Practices Liability Insurance (EPLI) covers legal defense and settlements.

How Much Does Business Insurance Cost in 2025?

Policies start as low as:
✔ General Liability: 30/month∗∗✔∗∗

$30/month\ast \ast ✔\ast \ast$

$Workers’Comp:\ast \ast \ast \ast$45/month (varies by payroll)✔ 

Cyber Insurance: 50/month∗∗✔∗∗

$50/month\ast \ast ✔\ast$

$BOP(Bundle):\ast \ast \ast \ast$75/month (best value)

Get a FREE 2025 Risk Assessment & Quote

Don’t wait for disaster to strike. THAgency finds you the best coverage at the lowest rates.