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What actually gets claimed — and what it costs
120real-world small business insurance claims, by industry, type, and payout. See which policy paid — so you know what you're actually buying before something goes wrong.
Showing 120 claims
RetailCustomer Injury
Customer slips on a wet floor near the entrance
$15,000 – $50,000
Paid by: General Liability
Tap for full story + lesson →Restaurant / FoodFire
Grease fire destroys kitchen and closes the restaurant
$35,000 – $180,000
Paid by: Commercial Property
Tap for full story + lesson →Contractor / TradesProperty Damage
Plumber's error floods a client's finished basement
$12,000 – $60,000
Paid by: General Liability
Tap for full story + lesson →Technology / ITProfessional Error
Software bug corrupts a client's order database
$25,000 – $250,000
Paid by: Professional Liability (E&O)
Tap for full story + lesson →ConsultingProfessional Error
Consultant's flawed advice costs client a contract
$20,000 – $150,000
Paid by: Professional Liability (E&O)
Tap for full story + lesson →RetailCyber / Data Breach
POS system breached, customer card data stolen
$120,000 – $500,000
Paid by: Cyber Liability
Tap for full story + lesson →Worried this could happen to you?
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ConstructionEmployee Injury
Worker falls from scaffolding, needs surgery
$45,000 – $120,000
Paid by: Workers' Compensation
Tap for full story + lesson →Real EstateWater Damage
Burst pipe floods a managed office building
$30,000 – $150,000
Paid by: Commercial Property
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Illustrative composite claim scenarios grounded in published industry claim data (insurer claim reports, National Safety Council, and breach-cost studies). Payout ranges are typical, not guarantees. General information only — not legal or insurance advice.