How a Commercial Package Policy Can Help a Small Business Client | Small businesses are typically categorized as businesses that employ less than 500 workers. According to recent data from the U.S. Small Business Administration there are approximately 28.8 million of these businesses in the United States. The small business community is a large and diverse community, covering a wide range of industries including retail, construction, healthcare, finance, manufacturing, information technologies, real estate, education and more; and accounting for 99.7% of all businesses in the entire country. Each small business is unique, so a one-size-fits-all commercial insurance policy is not always the best option for proper insurance coverage.