If you're a small business owner, how do you know whether you have the best insurance for your operation along with exactly the right types of coverage? The first answer: Consult an insurance professional. But you also might consider carrier rankings that take into account such factors as an insurer's financial health and how often policyholders complain about the company. Forbes Advisor recently surveyed several small business insurers to determine which ones the publication considers to be the best for summer 2023. The slideshow above illustrates their results. "When you're buying small business insurance, your coverage decisions depend on your business's type and size," write Forbes Advisor Editors Jason Metz and Amy Danise. "Common types of small business insurance include general liability, commercial property and workers compensation insurance." Depending on the nature of the business enterprise, entrepreneurs may want to consider the following types of coverage, each of which has distinct benefits and limitations: |

• General liability
• Commercial property liability
• Workers' comp
• Commercial auto insurance
• Errors & omissions
• Inland marine
• Cyber liability
• Short-term liability
• Medical malpractice

"The most common mistake that many business owners make," says the U.S. Chamber of Commerce, "is to blindly renew their insurance policies without taking their changing needs into account." See also: |

• 2023 Small business insurance market update
• How much does small business insurance cost?
• Best insurance for fast-moving small business