Most brokerages start with general liability and a Business Owner’s Policy if they have an office or business property to protect. If you have employees, workers’ compensation is usually required. Many brokerages also add commercial auto if vehicles are used for business, and cyber coverage if you store transaction documents, IDs, or wire instructions digitally. The best mix depends on whether you operate from a leased office, how many agents and staff you have, and how often the public is on-site for meetings or events.