Insurance and the SBA 8(a) Application

There are multiple obvious reasons why your small business should invest in general liability insurance–continuity of operations in case of a disaster, for example–but another good reason to purchase a basic business insurance policy is to demonstrate stability and trustworthiness to the federal government when you apply for SBA 8(a) certification.

The Small Business Administration will ask you to provide it with a Certificate of Insurance or insurance policy declaration pages as a part of the baseline 8(a) application.

If you are a home-based business, the SBA will ask you for a copy of your homeowner’s insurance policy or renter’s insurance policy in lieu of a business insurance policy if you do not have one.

There are multiple different types of business insurance available such as general liability policies, key employee coverage (in case of death or disability of a principal of the business), business automobile and vehicle insurance, etc., so you might want to seek the help of a broker or insurance professional who can tell you about the different options and perhaps bundle some of them together for a customizable, affordable rate.

To locate a reputable professional who is knowledgeable about insurance for small businesses (not for consumers), the following trade association website is a good starting point:

National Association of Insurance Commissioners (NAIC) “Insure U for Business” Website

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About Get 8a Certified with GCS Inc.

Veteran owned SBA 8(a) consulting firm. Email us at or securely buy kits and examples at

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