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Cheapest Business Insurance Companies Review
Building a business from scratch isn’t easy. On average, it takes 5 – 8 years for a startup to become profitable. Making a business successful takes a lot of time, skill, and effort. With that said, those who have succeeded in establishing their business, no matter how small, have grasped a very significant achievement in life.
But here’s a thing, imagine that flames engulfed a new coffee shop completely. Of course, there’s nothing to do but start from scratch. Starting from the bottom up after successfully building a business isn’t what many would want to do.
But aside from fires, lawsuits from customer personal injuries and commercial vehicle accidents can cause a business to get back to square one. Why? Each time any of these happen, a business might pay $3,329 or more as compensation according to the Institute of Legal Reform.
If risks businesses face are bullets, then enterprise insurance is the vest that protects them from possible harm. Getting insured doesn’t necessarily mean that a business will survive but it will ensure that there’s a good chance of surviving when trouble comes. In this article, we’ll show how much business insurance is on average, where to get low-cost business insurance, and many more!
It’s always best to research before contacting any carrier, insurance broker, or insurance agent. There are many carriers that attract customers by claiming to offer cheap commercial insurance and easy application and claims processing. However, upon getting payment, they’ll deny any claim a customer files.
Below are the cheapest business insurance companies for 2021 of all sizes, both cheap small business insurance companies, and insurers that cover larger enterprises and even international corporations. We based our research on factors like affordable business insurance rates, customer satisfaction ratings, features, user-friendliness, how comprehensive is the coverage, how tailored it is to your business’s needs, the financial strength of the insurer, and more.
Only work with the best cheap business insurance companies. Get quotes from carriers with excellent customer reviews, AM Best rating, and BBB rating. Speaking of getting quotes from the best cheap commercial insurance companies, we suggest the ones in the table below:
| Company | Average Business Insurance Cost Per Month | Best for |
|---|---|---|
| CoverWallet | $22 |
One-stop shop for affordable small business insurance online – from comparison to policy management! |
| Thimble | $30 (cheapest policy available for $5!) | Home-based businesses and IT professionals |
| Next Insurance | $29 (starts from $11 for fitness professionals) | Construction and fitness businesses as well as millennials looking for fast low-cost coverage online |
| Hiscox | $29 (starts from $19) | Independent contractors looking for comprehensive coverage that is tailored to their industry at affordable rates |
| The Hartford | $42 | Workers Compensation |
| GEICO | $33-$62 | Commercial auto-rideshare |
| Progressive | $53 | Commercial auto |
| Allstate | $30-$99+ | SMBs looking for tailored coverage |
| Travelers | $46-$180+ | Commercial property |
| State Farm | $21-$180+ | Best overall |
| Chubb | $28-$180+ | International businesses |
| USAA | $21-$130+ | Military community |
| Farmers | $43-$130+ | Small business retail insurance |
| Embroker | From $42 | Startups |
* Costs may vary depending on the size of yourbusiness, its sector, location and other factors.
As you can see, the cheapest business liability insurance that we have found is Thimble , a very affordable general liability insurance for small businesses, with super affordable small business insurance online policies on-demand starting from as low as $5, great flexibility and excellent online experience. It is very easy to get instant low-cost small business insurance quotes online with them as well. However, their average rate per month is $30, and you may find even cheaper business insurance rates than that on a monthly basis with other providers.
The cheapest small business insurance on average per month that we’ve found on the research is $21 per month from both USAA and State Farm. Rates always vary and can get lower or higher depending on the specific business, its size, the industry, and many other factors. So if you are looking for cheap insurance for business, the best tip we can give you is to compare business insurance quotes online through CoverWallet to find the cheapest business insurance for your specific business risks and needs. With an average general liability insurance cost of $22 per month on their quoting engine, you might find out that you’ll pay even lower rates in some cases!
| Insuranks rating | 10/10 |
|---|---|
| Best for | One-stop shop for affordable small business insurance online – from comparison to policy management |
| Year Founded | September 2015 and acquired by AON at 2020 |
| CEO | Inaki Beringuer (former) |
| Headquarters | 101 Avenue of the Americas 18th Floor New York, NY 10013 United States |
| Customer Support | (646) 844-9933 |
| AM Best Rating | A ( excellent) |
| BBB Rating | A+ |
| Number of Complaints | 158 |
CoverWallet isn’t an insurance company. But it is legit nonetheless. CoverWallet takes pride in providing competitive digital insurance quote comparison and online policy management solutions to businesses across the U.S. In 2020, it was acquired by Aon. CoverWallet’s best value lies in its online quote comparison platform, which makes looking for cheap insurance for small business online extremely easy such as:
Those working with CoverWallet enjoy an easy online insurance application process plus the support of online insurance agents. In addition, through MyCoverWallet, customers can easily pay, download proof of insurance, access policy documents, quickly purchase optional coverages, and find the contact info of a carrier to make a claim.
Read More: CoverWallet Reviews
| Insuranks rating | 9.5/10 |
|---|---|
| Best for | International companies |
| Year Founded | 1882 |
| CEO | Evan G. Greenberg |
| Headquarters | 1133 6th Ave, New York, NY 10036, United States |
| Customer Support | 41-43-4567600 and chubbaccess@chubb.com |
| AM Best Rating | AA+ ( superior) |
| BBB Rating | A- |
| Number of Complaints | 7 |
Chubb started as a family-run insurance company in Switzerland for merchants. But now, Chubb is one of the most established carriers having $31,000 employees and a revenue of $35.9 million as of 2020. Chubb offers commercial insurance solutions. Its business insurance caters to the needs of small, medium, and large businesses in 28 industries. Chubb’s insurance programs are numerous and can be generalized into the following categories:
Chubb is a wonderful option for small, medium, and large businesses as it has numerous specialized policies that provide excellent protection depending on the type of products sold and the nature of business operations. In terms of customer service, Chubb excels by allowing customers to find an agent or pay for premiums through the Chubb website. What’s more? The company provides insurance for international businesses in 54 countries.
| Insuranks rating | 9.5/10 |
|---|---|
| Best for | Home-based businesses and IT professionals |
| Year Founded | 2015 |
| CEO | Jay Bregman |
| Headquarters | New York City |
| Customer Support | hello@verifly.com |
| AM Best Rating | A+ ( excellent) |
| BBB Rating | A+ |
| Number of Complaints | 53 |
The majority of customers only want to get cheap commercial insurance in a straightforward fashion – no fancy product names and terms that are hard to understand. Time wasted is money wasted and spending countless hours with an insurance agent is lost productivity.
Thimble recognizes this concern. That’s why even though its insurances aren’t as many as the companies above, Thimble is one of the cheapest business insurance companies in the USA with about 50 employees, 23 investors, and a valuation of $22 million.
Products Thimble offers best fit the needs of the smallest businesses such as computer shops, computer technicians, software developers, and programmers. Insurances customers may buy from Thimble are:
Thimble assures customers that getting insured won’t take more than an hour. Also, the policies it offers generally apply to all risks small businesses face. With that said, if it’s cheap business insurance quotes, Thimble should be on everybody’s list.
| Insuranks rating | 9.5/10 |
|---|---|
| Best for | Construction and fitness businesses as well as millennials looking for fast low-cost coverage online |
| Year Founded | 2015 |
| CEO | Guy Goldstein |
| Headquarters | 75 California Ave, Palo Alto, CA 94304, United States |
| Customer Support | 1-855-222-5919 and support@nextinsurance.com |
| AM Best Rating | A- (excellent) |
| BBB Rating | A+ |
| Number of Complaints | 13 |
Next claims to be the leading insurtech company in the United States. This might be true as Next is known for winning a lot of funding projects from big-name companies for the purpose of bringing better services for small business owners. Right now, Next’s valuation is estimated to be more than $250 million. This company’s rapid growth is further attested by the growth of its 1,000 employees.
Just like Thimble, Next covers the smallest business owners such as those running food trucks, computer shops, amusement arcades, catering business, and many more. Products Next offers are:
Next offers discounts to give customers the best commercial insurance coverage. For example, bundling general liability and liquor liability insurance allows one to enjoy a 5% discount. Aside from discounts, Next also allows customers to enjoy getting a certificate of insurance and name additional insured without any additional charges.
Take time to check out Next general liability insurance as it’s very comprehensive. General liability coverage from Next doesn’t only cover legal cost and injury compensation but will also cover customer medical cost, libel, slander, and defamation.
| Insuranks rating | 9.5/10 |
|---|---|
| Best for | Independent contractors looking for comprehensive coverage that’s tailored to their industry at affordable rates |
| Year Founded | 1901 |
| CEO | Aki Hussain |
| Headquarters | Pembroke Parish, Bermuda |
| Customer Support | 1-866-424-8508 and customer.relations@hiscox.com |
| AM Best Rating | A – excellent |
| BBB Rating | A- |
| Number of Complaints | 12 |
Hiscox offers some of the most useful property and casualty insurance products among the best business insurance companies in the United States. Established businesses aren’t the only ones benefiting from Hiscox but also small ones too, especially sole proprietorships. Operating in the global insurance market, Hiscox employs 3,000 people and holds a revenue of $3.76 billion.
Hiscox’s commercial auto coverage is very remarkable. While most companies draw a line between commercial car insurance and personal car insurance, Hiscox gives customers the liberty to get their vehicles insured as a commercial car and as a personal car.
A lot of customers find Hiscox’s certificate of insurance remarkable. This is because customers can easily add their client’s names or landlord names to it. In addition, Hiscox policyholders only need to provide their email address and policy number to get their certificate of insurance.
| Insuranks rating | 9.5/10 |
|---|---|
| Best for | Workers Compensation |
| Year Founded | 1810 |
| CEO | Christopher J. Swift |
| Headquarters | 690 Asylum Avenue Hartford, CT 06155 |
| Customer Support | 855-440-1078 and customer complaint portal |
| AM Best Rating | A+ ( superior) |
| BBB Rating | A+ |
| Number of Complaints | 163 |
When it comes to commercial and property insurance, The Hartford is one of the cheapest commercial insurance companies that come to mind. The Hartford offers solutions for small and big businesses and strives to maintain responsive customer service. This helped The Hartford employ 19,500 people and achieve revenue amounting to $20 billion.
Its commercial insurance is open for large and small businesses. The Hartford small business insurance offers general liability insurance, business property insurance, and business income insurance. Also, The Hartford offers specialized insurance products for large businesses – General Liability Choice®, Property Choice®, and Workers Compensation insurance.
The best thing about The Hartford is that it puts a lot of effort into resolving disputes with customers. In this sense, the company is highly dedicated to making sure that customers can understand why their claims were denied, why their rates suddenly increased, and so on.>
| Insuranks rating | 8/10 |
|---|---|
| Best for | Commercial auto-rideshare |
| Year Founded | 1963 |
| CEO | Todd Combs |
| Headquarters | Chevy Chase, Maryland, United States |
| Customer Support | (800) 841-2964 and customer service portal |
| AM Best Rating | A++ ( superior) |
| BBB Rating | A+ |
| Number of Complaints | 178 |
Many people know Geico for its catchy advertisements that often involve its mascot, The Geico. One of the company’s strongest traits is its unique approach to marketing that, nevertheless, would be for nothing without its quality insurance solutions. A lot of people turn to Geico for commercial auto insurance, pet insurance, and personal auto insurance.
Since Geico puts most of its efforts into car insurance solutions, its business insurance might not compare to the products of other best cheap commercial insurance companies like Chubb or Hartford. Nonetheless, it provides the coverage customers need. Geico small business insurance offers the following in partnership with Hiscox and Berkshire Hathaway:
Geico excels as one of the best cheap commercial insurance companies for commercial auto. The rates are pretty low but the customer service is top-notch. Add the fact that Geico’s terms are very flexible and we can say that it’s the best commercial insurance agency for covering a business’s vehicles.
| Insuranks rating | 9/10 |
|---|---|
| Best for | Best overall |
| Year Founded | 1922 |
| CEO | Michael L. Tipsord |
| Headquarters | Bloomington, Illinois, United States |
| Customer Support | 800-782-8332 and customer service portal |
| AM Best Rating | A++ ( superior) |
| BBB Rating | B |
| Number of Complaints | 538 |
State Farm’s rates can be higher than other companies. Nonetheless, it still counts as one of the best cheap commercial insurance companies. Why? State Farm offers small business coverage whose usefulness is more than what the customers pay for. Coverages from State Farm cover all types of risks – from accidents to economic breakdown, natural disasters, employee dishonesty, etc. And so, it’s no wonder that it continues to be one of the strongest carriers in the United States with at least 50,000 employees and 19,000 agents.
Insurance solutions State Farm has in store for small businesses are commercial auto, business owner’s policy, contractor’s policy, workers compensation, and fidelity and surety bonds. There’s also State Farm liability insurance and life insurance coverages for businesses and their employees.
Working with State Farm is very easy as it has a lot of agents. In this sense, it is very easy for a customer to find someone to help with claims filing. In addition, State Farm customers can call different telephone lines based on what they want State Farm to do for them.
| Insuranks rating | 8.5/10 |
|---|---|
| Best for | Commercial property insurance |
| Year Founded | 1853 |
| CEO | Alan D. Schnitzer |
| Headquarters | New York, United States |
| Customer Support | 1-877-754-0481 and customer service portal |
| AM Best Rating | A++ ( superior) |
| BBB Rating | A |
| Number of Complaints | 182 |
Many compliment Travelers for its auto and home insurance solutions. But not many talks about its business insurance that’s equally great. Travelers provide coverage to all kinds of businesses and ensure that rates are fair and processing claims is quick and easy. Right now, Travelers employs more than 30,000 professionals and has a revenue of $32 billion.
Travelers offer insurance solutions for small and big businesses in the construction, energy, finance, healthcare, manufacturing, real estate, technology, and transportation industries. Particularly, coverages it offers to solve problems business owners might face are:
What we like about Travelers is that it offers coverage based on the business industry and with this, all specialty and non-specialty businesses are covered. Another thing, there’s also the Travelers “claim central” which simplifies claims filing and tracking. All in all, Travelers is a good company despite the fact that its rates are slightly higher than others.
| Insuranks rating | 8/10 |
|---|---|
| Best for | Commercial auto |
| Year Founded | 1937 |
| CEO | Tricia Griffith |
| Headquarters | Mayfield, Ohio, United States |
| Customer Support | 1-800-444-4487 and customer service portal |
| AM Best Rating | A+ ( superior) |
| BBB Rating | D – |
| Number of Complaints | 1,313 |
Many applaud Progressive’s commercial auto insurance. Rates are great, there are no spikes in fees, and filing a process is very easy. In terms of financial stability, Progressive doesn’t disappoint. As of 2020, Progressive’s revenue reached $42.7 billion and its employees reached 45,000.
Progressive’s business owner’s policy is very remarkable since it provides protection for equipment breakdown, damaged stocks, and damage to business property. For those who only want to get one kind of coverage, then there’s Progressive small business insurance having stand-alone coverages such as:
Businesses with risks that Progressive specializes in will enjoy cheap and stable rates. The company even offers very generous commercial auto insurance coverage if the customer’s business isn’t involved in road accidents and carries out periodic vehicle maintenance.
| Insuranks rating | 8/10 |
|---|---|
| Best for | SMBs looking for tailored coverage |
| Year Founded | 1931 |
| CEO | Thomas J. Wilson |
| Headquarters | Northfield Township, Illinois, United States |
| Customer Support | 1-800-255-7828 and customer service portal |
| AM Best Rating | A+ (superior) |
| BBB Rating | A+ |
| Number of Complaints | 908 |
Those who have worked with Allstate say that the company makes everything easier with its extensive agent network. Each Allstate agent easily recognizes the unique needs of different customers. And so, it’s impossible to get an insurance policy that fails to cover the risks a particular business faces.
Coverages from Allstate are very comprehensive. For example, Allstate business auto insurance is made up of liability coverage, collision coverage, comprehensive coverage, underinsured/uninsured motorist coverage, and rental car coverage. However, commercial auto insurance is only one of the many excellent business insurance coverages the company offers. There’s also:
Some say that Allstate doesn’t offer the cheapest commercial insurance quotes. However, we think this isn’t the case. It’s true that a first-time customer might see that Allstate’s rates are expensive. However, if one really thinks about it, Allstate’s rates are actually cheap as there are incentives for customers which pave the way to save money on premiums. Also, Allstate agents never close a deal without educating their clients completely. Simply put, they make sure everything is a win-win situation for all even for customers who don’t make a claim successfully.
| Insuranks rating | 7.5/10 |
|---|---|
| Best for | Military community |
| Year Founded | 1922 |
| CEO | Wayne Peacock |
| Headquarters | San Antonio, Texas, United States |
| Customer Support | 001-210-498-2722 and customer service portal |
| AM Best Rating | A+ + (superior) |
| BBB Rating | A+ |
| Number of Complaints | 838 |
USAA is the go-to carrier for United States military personnel and veterans and their direct families. The company offers very low premiums for these people. Life insurance and auto insurance are where USAA mostly shines. However, none says that its business insurance is bad. For a quick profile, USAA has 32,000 employees and a revenue of $40 billion.
One thing to remember though is that USAA’s business insurance isn’t available for all. Just like its other policies, only businesses that veterans or military personnelown can get USAA business insurance. The company isn’t inclusive and this is a trait that we don’t like. Nonetheless, for those who are eligible, USAA is a wonderful partner as it provides:
We find USAA great because its policies immediately apply to the most common risks that businesses face. This means that filing a claim will be fast and easy. Specialized businesses may not benefit a lot. However, USAA still manages to keep up with the competition by offering fast claims processes, transparent underwriting, and low-cost business insurance quotes for businesses owned by active and veteran military personnel.
| Insuranks rating | 6/10 |
|---|---|
| Best for | Small business retail insurance |
| Year Founded | 1928 |
| CEO | Jeff Dailey |
| Headquarters | California, United States |
| Customer Support | 1-888-327-6335 and customer service portal |
| AM Best Rating | BBB+ – good |
| BBB Rating | A- |
| Number of Complaints | 387 |
Farmers started by insuring rural farmers. But its humble beginnings are overshadowed by its success in the insurance market. Right now, Farmers don’t only work with people in the agriculture sector but also with other customers who want to get business insurance, life insurance, car insurance, and home insurance. Farmers insurance currently employs $12,740 employees.
Farmers business insurance caters to the needs of different businesses regardless of industry, size, and specialty operations. Coverages for customers are:
However, those above aren’t the only coverages customers can avail. If the customers wish for it, Farmers also provide specialty insurance programs such as:
| Insuranks rating | 7/10 |
|---|---|
| Best for | Startups |
| Year Founded | 2015 |
| CEO | Matt Miller |
| Headquarters | San Francisco, California, United States |
| Customer Support | 844-436-2765 and success@embroker.com |
| AM Best Rating | A+ – excellent |
| BBB Rating | A- |
| Number of Complaints | 150 |
Embroker strives to keep rates very stable for customers. Therefore, it’s a solid option for people who are afraid of ending up working with a carrier that suddenly increases rates. Additionally, Embroker also offers on-the-go insurance products such as business owner’s policy, EPLI, commercial crime, tech errors and omissions, standard professional liability, and directors and officers liability.
Get all the best quotes from leading providers in a click of a button!
Also referred to as commercial insurance, business insurance protects businesses from unexpected financial, physical, and intellectual property damage or loss.
Business insurance comes in many varieties. For example, there are business insurances that the policyholder can customize, buy as stand alone policies, or have for hours, weeks, or months.
When looking for cheap commercial insurance, think about the most probable risks your business might face in the future, how much money you want to get from your insurance policy, what discounts you can get, whether or not it’s possible to cancel your policy anytime, how easy it is to process and file claims, and whether or not you can get a refund. Here are some questions that will help you brainstorm for other considerations.
There are two general types of business – SMEs and large businesses. SMEs literally means small and medium-sized businesses – those employing 1 – 200 people and usually operating in their localities. It’s important to know which is which as both don’t pay the same cost for insurance.
Large businesses pay more than $1,000 a month for their insurance policies, primarily because they face a lot of risks and need to cover a lot of assets. On the other hand, SMEs get business insurance for as low as $152 a month. Note that these figures are just an estimated cost of insurance that carriers offer as a business owner’s policy.
Insurance for small businesses and large businesses consists of insurance products each having numerous coverages – property insurance, liability insurance, and commercial auto insurance.
So how much does liability insurance cost as well as the others we mentioned in the above bullet? These tables show the cost of common coverages.
| Liability Insurance Coverages | Cost Per Month | Cost Per Year |
|---|---|---|
| General liability | $35.79 | $429.48 |
| Professional liability | $54 | $648 |
| Product liability | $0.30 per $100 revenue | $3.6 per $100 revenue |
| Premises liability | $24 | $288 |
| Employer’s liability | $98 | $1,176 |
| Directors and officers | $290.75 | $3,489 |
| Commercial Auto Coverages | Cost per Month | Cost per Year |
|---|---|---|
| Commercial auto insurance auto liability coverage | $79 | $950 |
| Gap | $27 | $324 |
| Umbrella | $20.67 | $248 |
| PIP/no-fault coverage | $138 | $11.5 |
| Uninsured/underinsured motorist | $12 | $144 |
| Comprehensive coverage | $14.17 | $170 |
| Cost per Month | Cost per Year | |
|---|---|---|
| Commercial Property | $41.66 | $500 |
| Business Interruption | $100 | $1,200 |
| Inland Marine | $15 | $180 |
| Ocean Marine | 0.1% – 2.5% of cargo value | 0.1% – 2.5% of cargo value |
We can also determine the pricing of business insurance based on business organization – limited liability corporations, sole proprietorships, partnerships, and corporations. The cost of business insurance for each is:
* Business insurance cost for LLC, sole proprietorship, etc. is an estimate of all the policy limits and coverages availed, namely liability insurance, commercial property insurance, workers comp, commercial auto, commercial property, and optional policies.
An absolute figure is hard to determine as there are a lot of factors to consider. And so, to give you a better understanding of the pricing, we made a table showing the cost of insurance for different small businesses and professions.
| Cost per Month | Cost per Year | |
|---|---|---|
| Sawmills | $37 | $444 |
| Physician assistants | $45 | $540 |
| ATV and UTV rentals | $43 | $516 |
| Doula | $28 | $336 |
| Athletic trainers | $36 | $432 |
| Garage door installers | $42 | $504 |
| Driving instructors | $43 | $516 |
| Paddleboard rentals | $30 | $360 |
| Crypto Mining | $29 | $348 |
| SEO consultants | $36 | $432 |
| Magicians | $27 | $324 |
| Windshield repair businesses | $30 | $360 |
| Property managers | $42 | $504 |
| Lawyers and law firms | $45 | $540 |
| Franchisors | $45 | $540 |
| Hog farms | $47 | $564 |
| Telecommunications companies | $40 | $480 |
| Gymnastics clubs and teams | $35 | $420 |
| Commercial kitchens | $42 | $504 |
| Construction project managers | $40 | $480 |
| Dental Hygienists | $34 | $384 |
| Marina insurance | $50 | $600 |
| Boat builders | $50 | $600 |
| Real estate developers | $38 | $456 |
| Cricket | $36 | $432 |
| Broadcasters | $45 | $540 |
| Audiologists | $28 | $336 |
| Signage installers | $49 | $558 |
| Scaffolding contractors | $37 | $444 |
| Quarries | $50 | $600 |
| Writers | $34 | $408 |
| Telehandler | $65 | $780 |
| Robotics businesses | $30 | $360 |
| Refrigeration engineers | $40 | $480 |
| Greengrocers | $25 | $300 |
| Cold storage facilities | $29 | $348 |
| Distributors and wholesalers | $45 | $540 |
| Cardiologists | $38 | $456 |
| Anesthesiologists | $35 | $420 |
| Shuttle bus | $40 | $480 |
| Motorcycle dealers | $34 | $408 |
| Real estate appraisers | $35 | $420 |
| Thrift stores | $32 | $384 |
| Vacation rentals | $48 | $576 |
| Rock climbing instructors | $30 | $360 |
| Honey producers | $33 | $396 |
| Real estate appraisers | $35 | $420 |
| Sonographers | $39 | $468 |
| Weight loss clinics | $46 | $552 |
| Race car drivers | $54 | $648 |
| Shipping companies | $44 | $528 |
| Environmental engineers | $37 | $444 |
| Radiologists | $29 | $348 |
| Obstetricians | $36 | $432 |
| Churches and religious organizations | $35 | $420 |
| Bodyguards | $39 | $468 |
| Foster care facilities | $34 | $408 |
| Notary public | $39 | $468 |
| Paratransits | $48 | $576 |
| Travel agencies | $45 | $540 |
| Tour operators | $38 | $456 |
| Tour guides | $34 | $408 |
| Mining companies | $85 | $1,020 |
| Staffing agencies | $44 | $528 |
| Sporting goods stores | $37 | $444 |
| Food manufacturers | $70 | $840 |
| California contractors | $40 | $480 |
| Parachuting instructors and schools | $45 | $540 |
| Band insurance | $33 | $396 |
| Actuaries | $43 | $420 |
| Salvage yards | $49 | $588 |
| Pottery businesses | $35 | $420 |
| House sitters | $40 | $480 |
| Publishers | $39 | $468 |
| Printing businesses | $45 | $540 |
| Lyft drivers | $40 | $480 |
| Uber drivers | $40 | $480 |
| Tobacco shops | $55 | $660 |
| Tarot readers | $38 | $456 |
| Wind turbines | $110 | $1,320 |
| Wind turbine technicians | $46 | $552 |
| Fire sprinkler contractors | $38 | $456 |
| Flight instructors | $42 | $504 |
| Tire shops | $40 | $480 |
| Electric vehicle charging stations | $51 | $612 |
| Street fairs | $37 | $444 |
| Cryotherapy centers | $92 | $1,104 |
| Tutors | $38 | $456 |
| Valets | $51 | $612 |
| Real estate brokers | $47 | $564 |
| Etsy sellers | $33 | $396 |
| eBay sellers | $41 | $492 |
| Pawn shops | $45 | $540 |
| Boat towing businesses | $40 | $480 |
| Go-Kart tracks | $92.24 | $1,106.88 |
| Fabricators | $41 | $492 |
| Hunting lease and clubs | $103 | $1,236 |
| Commercial fishing | $65 | $780 |
| Volleyball | $30 | $360 |
| Ice skating rinks | $41 | $492 |
| Demolition contractors | $120 | $1,440 |
| Blacksmiths | $59 | $708 |
| Storage rentals | $45 | $540 |
| Skate parks | $55 | $660 |
| Roller skating rinks | $40 | $480 |
| Tailors | $34 | $408 |
| Tanner | $39 | $468 |
| ATM business | $50 | $600 |
| Scuba diving instructors | $42 | $504 |
| Music therapists | $33 | $396 |
| Race tracks | $83 | $996 |
| Airsoft fields | $90 | $1,080 |
| Scooter rentals | $52 | $624 |
| Ski resorts | $70 | $840 |
| Paintball | $80 | $960 |
| Archery instructors | $30 | $360 |
| Archery ranges | $50 | $600 |
| Nannies | $60 | $720 |
| PR agencies | $42 | $504 |
| Fishing guides | $82 | $984 |
| Tai Chi instructors | $38 | $456 |
| Home daycare | $33 | $396 |
| Art therapists | $45 | $540 |
| Marriage counselors | $57 | $684 |
| Nutritionists | $42 | $456 |
| Recording studio | $45 | $540 |
| Music teacher | $38 | $456 |
| Summer and sports camps | $48 | $576 |
| Umpires | $48 | $576 |
| Toy hauler | $58 | $696 |
| Subcontractor insurance | $46 | $552 |
| Commercial condo | $46 | $552 |
| Mobile phone shop | $45 | $540 |
| Toy shops | $39 | $468 |
| Subguard insurance | $20,833 | $250,000 |
| Sound engineers | $38 | $456 |
| Carpet shops | $46 | $552 |
| Shoe stores | $38 | $456 |
| Hair stylist | $48 | $576 |
| Hair salon | $47 | $564 |
| Barber shop | $46 | $552 |
| Home gyms | $30 | $360 |
| Paint store | $50 | $600 |
| Candy business | $37 | $444 |
| Department store | $40 | $480 |
| Bike rentals | $35 | $420 |
| Hardware stores | $46 | $552 |
| Horse trailers | $35 | $420 |
| Auctioneers and auction houses | $41 | $492 |
| Gym equipment | $31 | $372 |
| Golf instructor | $22 | $264 |
| Dog groomers | $32 | $384 |
| Kennels | $33 | $396 |
| Dog boarding facilities | $37 | $444 |
| Dog daycare facilities | $45 | $540 |
| Cattery | $25 | $300 |
| Pet boarding facilities | $39 | $468 |
| Dog trainers | $30 | $360 |
| Convenience store | $36 | $432 |
| Tavern | $90 | $1,080 |
| Public house | $85 | $1,020 |
| Oil and gas contractors | $91 | $1,092 |
| Water restoration contractors | $71 | $852 |
| IT Contractor | $42 | $504 |
| Other IT businesses | $50 | $600 |
| Water treatment plants | $58 | $696 |
| Renewable energy plants | $190 | $2,280 |
| Commercial solar panel | $27 | $324 |
| Solar power plant | $180 | $2,160 |
| Solar panel installation contractor | $50 | $600 |
| Jet ski rentals | $34.16 | $41 |
| Plastering and stucco contractor | $54 | $648 |
| Waterproofing contractor | $60.41 | $725 |
| Flooring contractor | $60 | $720 |
| Swimming pool contractor | $38 | $456 |
| Tile contractor | $58 | $696 |
| Paving contractor | $60 | $720 |
| Boxing instructor | $32 | $384 |
| Boxing gym | $38 | $456 |
| Masonry contractor | $58 | $696 |
| Spin Instructor | $26 | $312 |
| Upholstery | $33.33 | $400 |
| HVAC Installer | $37 | $444 |
| Siding Installer | $57 | $684 |
| Surveyor | $60 | $720 |
| Civil engineer | $64 | $768 |
| Mechanical engineer | $21 | $252 |
| Electrical engineer | $38 | $456 |
| Videographer | $22 | $264 |
| Flea Market | $33 | $396 |
| Photographer | $39 | $468 |
| Food Vendor | $35 | $420 |
| Hot Dog Cart | $56 | $672 |
| Hot Air Balloon | $97 | $1,164 |
| Balloon Business | $16.33 | $199 |
| Consultant | $34 | $408 |
| Lactation Consultant | $23 | $276 |
| Engineering Consultant | $42 | $504 |
| Management Consultant | $32 | $384 |
| Contractors | $40 | $480 |
| Musical Instruments | $15 | $180 |
| Musician | $34 | $408 |
| Bobtail | $30 | $360 |
| Unladen | $82 | $984 |
| Non-Trucking Liability | $40 | $475 |
| Food Truck | $39.36 | $472.32 |
| Restaurant | $60 | $720 |
| Retail | $29 | $348 |
| Home Cooking | $25 | $300 |
| Bakery | $35 | $420 |
| Barber Shop | $64 | $768 |
| Personal Trainer | $29 | $348 |
| Yoga Teacher | $28 | $336 |
| Yoga Studio | $28 | $336 |
| Cleaning Business | $45 | $540 |
| Janitorial | $35 | $420 |
| Electrician | $35 | $420 |
| Commercial Drone | $50 | $600 |
| Tradeshow | $63 | $756 |
| Car Wash | $60 | $720 |
| Tractor | $54.16 | $650 |
| Gym | $39 | $468 |
| Laundry Business | $46 | $552 |
| Small Artisan | $39 | $468 |
| Dance Studio | $37 | $444 |
| Farmers Market Vendors | $35 | $420 |
| Crafters | $47 | $564 |
| Candle Makers | $63 | $761 |
| Soap Makers | $39 | $468 |
| Maid / House Cleaner | $37 | $444 |
| Excavator | $83 | $996 |
| Carpenter | $40 | $480 |
| Tradesman | $60 | $720 |
| Handyman | $57 | $684 |
| Vendor | $30 | $360 |
| Dog Walking Businesses | $33 | $396 |
| Startup Company | $28 | $336 |
| Roofing | $292 | $3,504 |
| Construction | $73 | $876 |
| Heavy Equipment | $256 | $3,072 |
| Skid Steer | $67 | $804 |
| Filmmaking | $56 | $672 |
| Garagekeepers | $96 | $1,152 |
| Pet Sitting | $26 | $312 |
| DJ | $21 | $252 |
| Auto repair shop | $49 | $588 |
| Warehouse | $93 | $1,106 |
| Garage | $113 | $1,356 |
| Dump Truck | $438 | $5,250 |
| Bed and Breakfast | $70 | $840 |
| Hotel, Motel & Resort | $84 | $1,008 |
| Catering | $47 | $564 |
| Gas Station | $100 | $1,200 |
| Grocery Store | $41 | $492 |
| Coffee Shop | $45 | $540 |
| Face Painting | $13 | $156 |
| Makeup Artist | $26 | $312 |
| Permanent Makeup | $49 | $588 |
| Spa | $46 | $552 |
| Bodywork | $35 | $420 |
| Beauty Salon | $32 | $384 |
| Tanning Salon | $46 | $552 |
| Beauty Therapist | $22 | $264 |
| Nail Salon | $43 | $516 |
| Cosmetologist | $33 | $396 |
| Esthetician | $57 | $684 |
| E-Commerce | $65 | $780 |
| Home Based Business | $25 | $300 |
| Pool Cleaning Businesses | $38 | $456 |
| Tattoo Shop | $35.92 | $431.04 |
| Painting | $44 | $528 |
| Real Estate Investor | $46 | $552 |
| Real Estate Agent | $39 | $468 |
| Security Guard | $105 | $1,260 |
| Security Dog Company | $35 | $420 |
| Web Developer | $35 | $420 |
| Web Design | $30 | $360 |
| Lawn Care | $48 | $576 |
| Plumbing | $50.08 | $600.96 |
| Gas Engineer | $34 | $408 |
| Snow Plow | $550 | $6,600 |
| Beauty Business | $36.12 | $433.34 |
| Library | $30 | $360 |
| Bartenders | $43 | $516 |
| Chiropractors | $52 | $624 |
| Bars | $180 | $2,160 |
| Nightclub | $190 | $2,280 |
| Acupuncturists | $31 | $372 |
| Alternative Therapists | $26 | $312 |
| Physical Therapists | $45.07 | $540.84 |
| Reflexology | $16 | $192 |
| Aromatherapy | $19 | $228 |
| Hypnotherapy | $30 | $360 |
| Massage Therapists | $18 | $216 |
| Taxi Services | $78 | $936 |
| Carting & Garbage Collection | $47 | $564 |
| Martial Arts Studios | $295 | $3,538 |
| Martial Arts Instructor | $43 | $516 |
| Graphic Design | $33 | $396 |
| Architects | $34 | $408 |
| Personal Chefs | $76 | $912 |
| Golf Course | $42 | $504 |
| Coworking Space | $40 | $480 |
| Poultry Farm | $80 | $960 |
| Fish Farm | $38 | $456 |
| Juice Bar | $53 | $636 |
| Zoo | $45.42 | $545 |
| Petting Zoo | $45.42 | $545 |
| App Developer | $30 | $360 |
| Butcher Shop | $38 | $456 |
| Horse Farm | $83 | $996 |
| Horse Boarding Facility | $30 | $360 |
| Interior Design | $44 | $528 |
| Art Galleries & Museums | $46 | $552 |
| Gardening | $38 | $456 |
| Landscaping | $48 | $576 |
| Pizza Delivery | $50 | $600 |
| Food Delivery | $40 | $480 |
| Wineries | $43.21 | $518.52 |
| Other wine businesses | $40 | $480 |
| Ice Cream Shop | $33 | $396 |
| Ice Cream Truck | $60 | $720 |
| Ice Cream Van | $67 | $804 |
| Brewery | $93.33 | $1,119.96 |
| Microbrewery | $67 | $804 |
| Photo Booth | $33 | $396 |
| Distillery | $45 | $540 |
| Book Shop | $38 | $456 |
| Antique Shop | $38 | $456 |
| Venue | $51 | $612 |
| Playground | $88 | $1,036 |
| Amusement Park | $128 | $1,536 |
| Water Park | $44 | $528 |
| Theme park | $115 | $1,380 |
| Amusement Arcade | $46 | $552 |
| Software Dev Business | $43.16 | $517.92 |
| Pilot | $82 | $984 |
| Flight School | $208 | $2,496 |
| Engineer | $38 | $456 |
| Computer Repair Shop | $33 | $396 |
| Roof Cleaner | $100 | $1,200 |
| Pressure Washing Business | $60 | $720 |
| Welding Business | $29 | $348 |
| Locksmiths | $63 | $756 |
| Window Cleaners | $54 | $648 |
| Gutter Cleaners | $42 | $504 |
| Glaziers | $37 | $444 |
| Fire Alarm Installers | $56 | $672 |
| Drywall Business | $28 | $336 |
| Appliance Repair Businesses | $33 | $396 |
| Carpet Cleaners | $35 | $420 |
| Alarm and CCTV Installers | $30.41 | $365 |
| Veterinary Clinics | $96.66 | $1,159.92 |
| Tow Truck Businesses | $448 | $5,376 |
| Boat Repair | $16.66 | $200 |
| Boat detailing | $37.50 | $450 |
| Boat Rental Businesses | $41.67 | $500.04 |
| Media Professionals | $35 | $415 |
| Cargo Van Businesses | $275 | $3,300 |
| Ice Cream Van Businesses | $142 | $1,329 |
| Commercial Sprinter Van Businesses | $135.83 | $1,630 |
| Passenger Van Businesses | $200 | $2,400 |
| Camper Van Rental Businesses | $120 | $1,440 |
| Delivery Van Businesses | $112.39 | $1,348.68 |
| Home Inspectors | $47 | $564 |
| Softball Teams | $349 | $4,188 |
| Car Haulers | $810 | $9,720 |
| Hockey Teams | $47 | $564 |
| Sports Teams | $30 | $350 |
| Baseball Teams | $45 | $540 |
| Car Rental Businesses | $50 | $600 |
| Basketball Trainers | $45 | $540 |
| Basketball Players | $52 | $624 |
| Basketball Camps | $162 | $1,944 |
| Vending Machine Businesses | $38 | $456 |
| Flatbed Trailer Businesses | $191.66 | $2,300 |
| Commercial Trailer Businesses | $300 | $3,600 |
| Dump Trailer Businesses | $140 | $1,680 |
| Food Cart Businesses | $45 | $540 |
| Limousine Businesses | $80 | $960 |
| Sports Facilities | $25 | $300 |
| Hot Shot Truckers | $212 | $2,544 |
| Food Trailers | $47.80 | $573.60 |
| Car Dealers | $36 | $432 |
| Social Workers | $69 | $828 |
| Equipment Rentals | $47 | $564 |
| Box Truck Businesses | $125 | $1,500 |
| Soccer Teams | $40 | $480 |
| Moving Company | $104.16 | $1,250 |
| Sole Proprietors | $39.58 | $474.96 |
| Bounce House Businesses | $41.66 | $500 |
| Freight Brokers | $108.33 | $1,300 |
| Bulldozer Businesses | $85 | $1,020 |
| Forklift Businesses | $256 | $3,072 |
| Bookkeepers | $25 | $300 |
| Concession Businesses | $30 | $360 |
| Certified Public Accountants | $38 | $456 |
| Tree Service Businesses | $25.83 | $309.96 |
| Amazon Sellers | $41 | $492 |
| Firefighter | $153.30 | $1,533 |
| Law Enforcer | $59.66 | $716 |
| Furniture Store | $45.05 | $540.62 |
| Pharmacists | $69.50 | $834 |
| Deli Stores | $52 | $624 |
| Home Watch Businesses | $32.33 | $500.29 |
| Pet Store | $42.79 | $513.58 |
| Charity | $38 | $456 |
| Gift Shop | $49 | $588 |
| Fashion Store | $103 | $1,236 |
| Small Fashion Store | $37 | $444 |
| Jewellery Store | $69.66 | $835.92 |
2 / 10
I purchased a year long policy for my small business I paid for the year up front. First they sent me the incorrect paperwork and acted as if I had something to do with the mistake. About three weeks later I received a bill for the policy. I then sent countless email as the payment did clear my account. About a week later I'm told they have no record of my payment. Now I have to send any documents proving I said then. It went on for weeks. More requests of proof from this person then another.... Read More
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
2 / 10
I never purchased the policy. The person I spoke with "Bruce" was condescending and argumentative. He kept repeating himself and talking in circles telling me what I HAVE TO DO, basically trying to bully me into purchasing commercial insurance. I wouldn't use this company if they were paying me!
9.8 / 10
Chubb provides business insurance coverage for all size of businesses, from small local ones to huge multinational corporates, they are very fast to respond to your claims, their business insurance coverage is very advanced while being tailored to your needs, aka covering you from all sides without over-covering you to make you pay more like some companies do. I'm a very satisfied customer.
9.7 / 10
Very annoyed in 2020 they do not offer online quotes, however they are great at everything else. The coverage is amazing, customer service is world class, value of money is great (even when their rates are not the cheapest), fast and excellent handling of claims, very dedicated and business focused. The only other issue is since they cover all types and sizes of businesses, they do not seem to specialize in any of them specifically.
2 / 10
I purchased a year long policy for my small business I paid for the year up front. First they sent me the incorrect paperwork and acted as if I had something to do with the mistake. About three weeks later I received a bill for the policy. I then sent countless email as the payment did clear my account. About a week later I'm told they have no record of my payment. Now I have to send any documents proving I said then. It went on for weeks. More requests of proof from this person then another.... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
Simple online quoting and purchase. excellent mobile app. claims filing via phone, website or app. Combines competitive rates with excellent customer experience. Progressive provides all of the coverage a small business needs. not to mention its financial strength
0 / 10
State Farm's business insurance was such a bad choice for us. Worst communication, very unprofessional. Been insured for over 12 years through a local statefarm agent who we were having insurance for our own home, our personal cars, our own health insurance, workers compensation, all of our commercial autos that serve our business - our agent didn't inform us of raising our premium rates, of certain inspections, and send us very rude emails upon our policy cancellations that were caused by his... Read More
10 / 10
Extremely helpful, kind and knowledgable customer service team! I received a business insurance package that was tailored and personalized to my exact business needs! Excellent liability insurance. Their pricing for business insurance is not the most affordable you'll find, however it's better to pay more and know that you are covered well. We got coverage for $1M. In regards to claims, I haven't had any experience so cannot attest, but the rest was excellent so I'm sure claims will be great as... Read More
10 / 10
Customer service is fast and efficient. They were very caring about issues that we faced, checked them all and resolved our claims fast. State Farm is an excellent company. They gave us excellent business insurance coverage that was customized to our precise needs. We worked together to build the most suitable coverage to our needs, nothing more or less, while making sure the rate is good enough. State Farm's business insurance cost was very good compared to other companies, while maintaining a... Read More
10 / 10
Excellent business insurance coverage tailored to your business needs in good rates, professional customer service, pays claims fast and fairly. Recommended!
10 / 10
highly recommended!
10 / 10
Their business insurance products are by far the best business decision I've made financially. Got us covered when we needed it and for such a bargain cost. Couldn't recommend more!
10 / 10
Excellent business insurance policies at cheap rates. Claim process was easy and helped us cover financial loss.
10 / 10
Great rates and excellent service. Our business feels safe.
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
Not all those who wander are lost.
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