of business owners report having property insurance
56%
Cyber coverage
Business owners who would like to expand their property insurance
50
0
10
20
40
30
2025
39%
2024
35%
2023
No data
Property insurance
50
0
10
20
40
30
36%
35%
41%
2025
2024
2023
Business owners who would like to expand their
cyber coverage
of business owners report having cyber coverage
46%
Cyber coverage
50
0
10
20
40
30
No data
39%
34%
2025
2024
2023
Business owners who would like to expand their professional liability insurance / E&O
of business owners report having professional liability insurance / E&O
31%
Professional liability insurance / E&O
50
0
10
20
40
30
48%
40%
33%
2025
2024
2023
Business owners who would like to expand their coverage for business owners’ policy (BOP)
Business owners’
policy (BOP)
Business interruption
50
0
10
20
40
30
45%
32%
31%
2025
2024
2023
Business owners who would like to expand their employment practices liability insurance
of business owners report having employment practices liability insurance
32%
Employment practices liability insurance
50
0
10
20
40
30
40%
31%
30%
2025
2024
2023
Business owners who would like to expand their director and officers (D&O) liability insurance
Director and officers (D&O) liability insurance
50
0
10
20
40
30
40%
34%
30%
2025
2024
2023
Business owners who would like to expand their product liability insurance
Product liability insurance
of business owners report having product recall
19%
Product recall
50
0
10
20
40
30
No data
23%
29%
2025
2024
2023
Business owners who would like to expand their
flood insurance
of business owners report having flood insurance
30%
Flood insurance
of business owners report having litigation funding policy
16%
Litigation funding policy
50
0
10
20
40
30
5%
5%
1%
2025
2024
2023
Business owners who would like to expand none of these
report having none of these - I don’t have any business-related insurance policies
1%
Business Owners
Professional liability insurance / E&O
Property insurance
Property insurance
Business owners’
policy (BOP)
Business interruption
Employment practices liability insurance
Director and officers (D&O) liability insurance
Product liability insurance
Product recall
Flood insurance
Litigation funding policy
None of these
Source:
Gallagher
of business owners report having product liability insurance
34%
43%
2026
44%
2026
27%
2026
38%
2026
28%
2026
19%
2026
27%
2026
36%
2026
4%
2026
of business owners report having director and officers (D&O) liability insurance
21%
Marine and cargo
Trade credit insurance
of business owners report having business owners’
policy (BOP)
49%
50
0
10
20
40
30
No data
No data
No data
2025
31%
2026
2024
2023
Business owners who would like to expand their coverage for business interruption
of business owners report having business interruption
36%
50
0
10
20
40
30
No data
No data
No data
2025
21%
2026
2024
2023
Business owners who would like to expand their coverage for product recall
of business owners report having product recall
19%
50
0
10
20
40
30
No data
No data
No data
2025
15%
2026
2024
2023
Business owners who would like to expand their coverage for litigation funding policy
of business owners report having litigation funding policy
16%
of business owners report having litigation funding policy
16%
Marine and cargo
50
0
10
20
40
30
No data
No data
No data
2025
12%
2026
2024
2023
Business owners who would like to expand their coverage for marine and cargo
of business owners report having marine and cargo
10%
of business owners report having litigation funding policy
16%
Trade credit insurance
50
0
10
20
40
30
No data
No data
No data
2025
4%
2026
2024
2023
Business owners who would like to expand their coverage for trade credit insurance
of business owners report having trade credit insurance
14%