enough coverage is the amount that protects your business from a worst-case financial hit, not just the minimum required by law or contracts. For most small businesses in 2026, that typically means $1M–$2M in general liability, with additional coverage layered based on your operations, risks, and revenue. If you’re unsure whether your current coverage is enough, a professional review with JPL Insurance Services can help you identify gaps and build a policy that truly protects your business in 2026 and beyond.