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IT Business Insurance for Companies and Professionals

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. Which Companies and Professionals Require IT Business Insurance?2. What is IT Business Insurance?3. IT Business Liability Insurance4. Professional Liability Insurance for IT Companies and Professionals4.1. What Exposures Can IT Companies and Professionals Cover by Purchasing Professional Liability Insurance?4.2. I Own a Small IT Company That Designs Applications. I’m Planning to Hire Independent Contractors. Will My Professional Liability Cover if a Claim Is Filed Because They Caused Issues?4.3. Several Clients Are Accusing Me of Selling Their Data to Third Parties. Can Professional Liability Insurance Help?5. General Liability Insurance for IT Businesses 5.1. How Does General Liability Insurance Protect IT Companies and Professionals?5.2. Is General Liability Insurance a Requirement When Running an IT Company or Working as an IT Professional?5.3. The Employee of My IT Company Damaged a Client’s Computer and Communications System. Will General Liability Insurance Cover This?6. Cyber Liability Insurance for IT Companies and Professionals 6.1. What Types of Cyber Attacks Are Commonly Covered by Cyber Liability Insurance?6.2. Cyber Attacks and Data Breach Occurrences Sometimes Result in the Loss of Important Documents and Software. Will Cyber Liability Insurance Cover This?7. Commercial Property Insurance for IT Companies and Professionals7.1. What Exposures Does Commercial Property Insurance Cover?7.2. Does Commercial Property Insurance Cover the Valuables Inside My Office?7.3. Are Software and Electronic Data on Computers and Other Related Devices Also Covered?8. IT Equipment Insurance 8.1. How Do You Avail IT Equipment Insurance?8.2. Can I Add Newly Purchased Computers to My Existing IT Equipment Policy?9. Business Owner’s Policy for IT Companies and Professionals10. Other Recommended Insurance Policies for IT Companies and Professionals 10.1. Workers' Compensation Insurance10.2. Fidelity Bonds10.3. Commercial Auto Insurance11. IT Business Insurance Cost12. Best IT Business Insurance Companies12.1. NEXT IT Business Insurance 12.1.1. Pros12.1.2. Cons12.2. CoverWallet IT Business Insurance 12.2.1. Pros12.2.2. Cons12.3. Tivly IT Business Insurance 12.3.1. Pros12.3.2. Cons12.4. Thimble IT Business Insurance 12.4.1. Pros12.4.2. Cons12.5. Hiscox IT Business Insurance 12.5.1. Pros12.5.2. Cons12.6. Nationwide IT Business Insurance 12.6.1. Pros12.6.2. Cons12.7. Berkshire Hathaway IT Business Insurance 12.7.1. Pros12.7.2. Cons12.8. Chubb IT Business Insurance 12.8.1. Pros12.8.2. Cons

Providing IT services has its risks. Your clients expect you to provide IT solutions that run smoothly without any costly mishaps. Although you strive to provide the most reliable IT solutions, you can never prepare for the unexpected. Computer equipment breakdown can suddenly get defective and you might need to buy a replacement from the electronic store. Your employee can mishandle the data of clients.

But worst of all, you might become a victim of data breach. An astonishing 108.9 million online accounts were breached in 2022. The caveat is that these events occur unexpectedly and carry serious financial implications for providers and their clients.

Your IT company can easily face lawsuits and claims that can significantly dent business accounts. That's why it's critical to take out IT business insurance. Here’s a guide that will talk about the function of each inclusion, the cost of premiums, and the best companies.

Which Companies and Professionals Require IT Business Insurance?

The IT sector has many companies and professionals that provide specific services to other businesses and individuals. The following are companies and professionals that require IT company insurance coverage:


What is IT Business Insurance?

IT business insurance is specifically designed to protect IT companies from financial losses caused by a variety of risks. As aforementioned, these risks include cyberattacks, data breaches, equipment failure/loss/theft, and natural disasters. IT company insurance can also cover any legal disputes and provide financial support for recovery strategies. 

IT business insurance bundles different types of policies such as general liability insurance, professional liability insurance, cyber liability insurance, commercial property insurance, and more. 

Overall, business insurance for IT companies is critical for any IT venture or professional as it protects against financial losses and ensures continued operation


IT Business Liability Insurance

IT business liability insurance comes in the form of a general liability policy, cyber liability policy, and professional liability policy.


Professional Liability Insurance for IT Companies and Professionals


CoverWallet NEXT Thimble (Best)Hiscox
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$250,000/1,000,000
Aggregate limit $2,000,000$2,000,000$1,000,000/$2,000,000$250,000/1,000,000
Name additional insureds?YesYesYesYes
Waiver of subrogation included?YesNoYesCan be included
Deductible $500$500$500$50/$10,000


Let’s face it, not everything goes as planned when you’re doing something for a client. The computer you’re programming might not work as it should. Coding errors can result in bugs and glitches. Employees can also mess up reports that must be submitted to stakeholders. 

Clients can sue if an IT company or professional commits an issue with their work. This is why investing in professional liability insurance is crucial. Use the table above to see which insurance company offers the best professional liability insurance for IT companies and professionals. 


What Exposures Can IT Companies and Professionals Cover by Purchasing Professional Liability Insurance?

Professional liability insurance allows you to cover these common exposures that IT companies and professionals usually face:

  • Missed deadlines

  • Breach of contract

  • Breach of confidentiality

  • Misrepresentation

  • Negligence

  • Violation of fair dealing


I Own a Small IT Company That Designs Applications. I’m Planning to Hire Independent Contractors. Will My Professional Liability Cover if a Claim Is Filed Because They Caused Issues?

No. Your independent contractors aren’t considered employees. Therefore, professional liability insurance can’t provide coverage if a client files a claim against you because the independent contractors caused issues. 

To protect yourself, we suggest you request the independent IT contractors to get an IT contractor insurance package and name you as an additional insured in its professional liability policy. 


Several Clients Are Accusing Me of Selling Their Data to Third Parties. Can Professional Liability Insurance Help?

Yes. Professional liability insurance can help in this case, provided that the accusation is unfounded and frivolous in nature. However, if it’s proven that you did such an act willfully and with full consent, then professional liability insurance can’t cover the resulting expenses. 


General Liability Insurance for IT Businesses 


CoverWallet NEXT (Best)Thimble Hiscox
Per occurrence limit $1,000,000$1,000,000$1,000,000/$2,000,000$300,000/$2,000,000
Aggregate limit $2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000
Products and completed operations aggregate limit 
$2,000,000
$1,000,000$1,000,000$1,000,000
Advertising injury coverage aggregate limit $1,000,000$1,000,000$1,000,000$1,000,000
Tenant’s legal liability coverage limit $100,000
$100,000$5,000$100,000
Waiver of subrogation included?YesNoIncludedExcluded
Hired/non-owned auto liability coverage included?YesNoExcludedExcluded
Equipment breakdown floater included?No YesYesExcluded
Can you get a certificate of insurance online?YesYesYesYes
Name additional insureds?YesYes
YesYes
Deductible$0$0$0$0


General liability insurance is often the first and most important coverage that an IT business or professional needs. Remember that accidents can happen in your building and third parties who got involved can sue for bodily injuries or property damage. That's where general liability insurance comes into play. 

Use the table above to see which insurance company offers the best general liability policy for IT companies and professionals. 


How Does General Liability Insurance Protect IT Companies and Professionals?

This enables you to reimburse a third party’s damaged property. You can also use general liability insurance to cover the medical treatment costs if any third parties got injured while on your business premises. This IT business insurance also grants protection against high-cost lawsuits, ensuring your business continues operating even after paying attorney fees, investigation fees, and court judgments.


Is General Liability Insurance a Requirement When Running an IT Company or Working as an IT Professional?

Property owners/managers often require businesses to present their general liability insurance before signing a commercial lease.  Besides qualifying for commercial leases, general liability coverage makes your company eligible for government and private contracts. 


The Employee of My IT Company Damaged a Client’s Computer and Communications System. Will General Liability Insurance Cover This?

Though caused by an employee and not by an accident, this situation counts as a form of third-party property damage. And so, general liability insurance will help you reimburse the value of the client’s damaged computer and communications system. 


Cyber Liability Insurance for IT Companies and Professionals 

This insurance enables IT companies and professionals to survive cyber attacks and data breaches by covering client notification costs, legal expenses, and other related expenses. It comes in handy when faced with data breach lawsuits and fraud monitoring expenses. 


What Types of Cyber Attacks Are Commonly Covered by Cyber Liability Insurance?

The coverage of cyber liability insurance usually kicks in if you experience these types of cyber attacks as an IT professional or IT company:

  • Malware

  • Phishing

  • Ransomware

  • Password attack

  • Man-in-the-middle-attack

  • SQL injection

  • Denial of service attack


Cyber Attacks and Data Breach Occurrences Sometimes Result in the Loss of Important Documents and Software. Will Cyber Liability Insurance Cover This?

Cyber liability insurance comes with an electronic data loss endorsement. Electronic data loss endorsement can reimburse your losses and cover business interruption if important documents and software such as Eclipse, Geany, gedit, and Adobe Dreamweaver get corrupted or lost after a data breach or cyber attack happens. 

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Commercial Property Insurance for IT Companies and Professionals


CoverWalletNEXT (Best)ThimbleHiscox
Building coverage limit (minimum)$50,000$280,000$25,000/$500,000$25,000
Contents coverage limit (minimum)$50,000$18,000$25,000/$500,000$25,000
Outdoor signsExcluded$2,500ExcludedExcluded
Accounts receivable ExcludedExcluded$5,000/$10,000Included
Money and securitiesExcluded$2,500$1,000Included
Lock and keys Excluded$2,500ExcludedExcluded
Business interruption floaterExcludedIncludedIncludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcluded
Inland marine insurance floaterExcludedExcluded$10,000Excluded
Employee dishonesty floaterExcluded$5,000$2,500Included


An office makes everything easier if you’re an IT business. IT gives you a physical location where clients can frequently visit. An office also keeps computers and other business equipment safe. Above all, an office allows you to keep a close watch on what employees are doing. 

Purchase commercial property insurance and you can protect your office against the unexpected. Use the table above to see which insurance company offers the best commercial property insurance. 


What Exposures Does Commercial Property Insurance Cover?

Commercial property insurance covers these exposures that may result in the damage or destruction of the office you use as an IT professional or IT company:

  • Fire

  • Theft

  • Vandalism

  • Civil commotion

  • Volcanic action

  • Sinkhole collapse

  • Lightning

  • Weather

  • Impact

  • Falling objects

  • Aircraft

  • Vehicle


Does Commercial Property Insurance Cover the Valuables Inside My Office?

Yes. Commercial property insurance comes with contents coverage and this will cover your IT office’s computers, servers, printers, monitors, hard drives, headsets, speakers, microphones, telecommunication devices, and others.

 

No. Commercial property insurance only covers tangible business properties. Therefore, it can’t reimburse the value of software and electronic data that’s integral to your operations as an IT business. 


IT Equipment Insurance 


NEXT ThimbleHiscox
Aggregate limit$3,000/$10,000$2,500/$5,000$15,000/$25,00
Covers hired and borrowed equipment?$3,000/$10,000$2,500/$5,000No
Miscellaneous equipment also covered?$5,000/$10,000NoYes
Offered as an endorsement to general liability insurance?YesYesYes
Deductible$500$500$0


Insurance for IT equipment covers any repairs or replacement costs as a result of accidental loss or damage to computers and ancillary equipment that an IT company owns.

IT equipment insurance protects IT companies and professionals from financial losses related to theft, damage, malfunction, or loss of computers and other tech equipment. Use the table above to see which insurance company offers the best equipment insurance for IT companies and professionals.


How Do You Avail IT Equipment Insurance?

IT equipment insurance is available as a floater that can be added to a general liability policy or commercial property policy for tech businesses.


Can I Add Newly Purchased Computers to My Existing IT Equipment Policy?

An advantage of this insurance coverage is that IT companies can add new items to their equipment insurance at any time throughout the policy year. Examples of equipment eligible for IT equipment insurance include:

  • Computer equipment (laptops, monitors, printers, hard drives, modems, etc.)

  • Mobile devices (portable hardware devices designed to be transported regularly without suffering losses under normal circumstances)

  • Office equipment (photocopiers, fax machines, and telecommunication systems)

  • Audiovisual equipment (smartphones, camcorders, TVs, projectors, cameras, and video recorders

  • Leased/loaned equipment 

  • Employee-owned computers (if used specifically for work assignments or located 


Business Owner’s Policy for IT Companies and Professionals


CoverWalletThimble NEXT (Best)Hiscox
General liability aggregate limit $2,000,000$1,000,000/$2,000,000$1,000,000/$2,000,000$300,000/$2,000,000
Commercial property coverage limit $50,000$25,000/$500,000$280,000$25,000
Optional policies can be added?YesYesYesYes
Name additional insureds for free?YesYesYesYes
BOP discount?YesYesYesYes


If you operate a small or mid–sized IT company, it would be best to bundle your general liability coverage with commercial property insurance in a business owner's policy (BOP). 

A BOP costs less than purchasing each policy separately. Besides, a BOP may include other types of policies, such as professional liability insurance, cyber liability insurance, etc. thus providing comprehensive coverage for your company's property, assets, and other liabilities.

Additionally, most insurers tailor BOPs to meet your IT professional insurance needs. IT companies that qualify for BOPs typically:

  • Have less than 100 employees

  • Have a small workplace

  • Generate less than $1 million in annual income

  • Operate in a low-risk sector


Apart from IT business liability and equipment insurance, purchasing other insurance policies can ensure your business rebounds from other risks your company faces every day. The following are additional policies you might need:


Workers' Compensation Insurance

Many states require IT companies with employees to obtain workers' compensation. Suppose you're a sole proprietor; in that case, this insurance policy can cover work-related injury costs that health insurance may deny. It also offers disability benefits and protects from employee injury claims. 


Fidelity Bonds

Also known as employee dishonesty insurance, this coverage policy reimburses your client if one of your employees steals from them, including theft by electronic money transfers. It's also best for unauthorized/unlawful data access by staff, as well as employee fraud. 


Commercial Auto Insurance

This policy covers third-party property damage and bodily injuries if your company vehicle is involved in an accident. The insurance also provides the funds you need to replace or repair the vehicle in case of theft, vandalism, or weather damage. 

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IT Business Insurance Cost


Cost per MonthCost per YearDeductible
General liability insurance$50$600$0-$500
Professional liability insurance$95$1,140$0-$500
Commercial property insurance$60$720$1,000-$2,500
Business owner’s policy$100$1,200$500-$1,000
Workers compensation insurance$70$840$2,000-$5,000
Cyber liability insurance$110$1,320$500-$1,000
Tools and equipment insuranceDepends on the value of tools and equipment to be coveredDepends on the value of tools and equipment to be covered$500-$1,000


The average IT business insurance cost is $50 per month or $600 per year for a $1 million general liability insurance. The cost of business insurance for IT companies is determined based on a customer’s:

  • Annual revenue

  • The value of your commercial property

  • Number of employees

  • Business history

  • Claims history

  • The risk level of your business


Your choice of insurance company is also a significant determinant. Here’s a table showing the cost of a $1 million general liability insurance from carriers that you must consider working with as an IT business:


Cost per MonthCost per YearBest for
NEXT$25$300Best overall, Fastest general liability insurance for IT businesses
CoverWallet$32$384Comparing IT business insurance quotes online
Tivly$33$396Comparing IT business insurance quotes over the phone
Thimble$36$432On-demand coverage for IT businesses
Hiscox$38$456IT business insurance with worldwide coverage and automatic policy renewal
Nationwide$42$504IT businesses looking for comprehensive workers compensation insurance
Berkshire Hathaway$44$528Companies wanting BOPs
Chubb$46$552IT business insurance for IT companies of any size

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Best IT Business Insurance Companies

The insurance industry is filled with many carriers providing IT company insurance. Usually, finding the best insurer means searching for a provider that offers reduced costs. Still, it's critical to choose a carrier that provides quality insurance solutions. 

If you're ready to purchase IT business insurance, here are some reviews of the best IT business insurance companies. Read to know the pros, cons, and cost of a $1 million general liability policy. 


NEXT IT Business Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for IT businesses

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies

Cons

  • Couldn’t find any

NEXT’s general liability, commercial property, professional liability, and workers' compensation policies for IT businesses are available through its software publisher insurance, computer and information systems managers insurance, IT consulting and programming insurance, and computer programmers insurance. 

This company simplifies your insurance purchase by creating an insurance bundle wherein the inclusions have their own predetermined limits, as shown below:

  • $300,000-$2 million general liability insurance

  • 2 million professional liability insurance

  • $3,000-$10,000 tools and equipment insurance

  • $218,000-$350,000 commercial property insurance

  • Workers compensation insurance


Best for: Best overall, Fastest general liability insurance for IT businesses

Average cost: $25 per month

Our rating: 10/10


CoverWallet IT Business Insurance

Pros

  • Compare IT business insurance quotes online

  • Easy online policy management

  • Add additional insureds during or after you bought your policy

  • Cancel your coverage anytime with no additional charges

Cons

  • Not an insurance company but an insurance broker

CoverWallet offers business insurance products for IT professionals through its IT consulting insurance, IT software/hardware training insurance, IT security consulting insurance, computer programming and software development insurance, and software publishing insurance. 

CoverWallet is an insurance broker and not an insurance company. It provides coverage by compiling the quotes of different insurance companies that underwrite business insurance solutions for the IT and tech industries. Policies you can avail are as follows:

  • $2 million general liability insurance with an optional waiver of subrogation, terrorism coverage, and hired/non-owned auto liability coverage

  • $2 million professional liability insurance

  • $50,000 commercial property insurance

  • Workers compensation insurance

  • $25,000 commercial auto insurance

  • Business owner’s policy


Best for: Comparing IT business insurance quotes online 

Average cost: $32 per month 

Our rating: 10/10


Tivly IT Business Insurance

Pros

  • Responsive customer service

  • Caters to the specialized risk of your IT business

  • Compare quotes over the phone 

  • A trusted partner of many insurance companies 

Cons

  • You need to call to get a quote 

Go for Tivly (formerly CommercialInsurance.NET) if your IT business has specialized risks that no other insurance companies are willing to take care of. Your quote from Tivly will be curated by a representative. That said, you need to call Tivly in order to compare quotes over the phone. 

Best for: Comparing IT business insurance quotes over the phone

Average cost: $33 per month

Our rating: 10/10


Thimble IT Business Insurance

Pros

  • Quick to issue an estimate of your rate

  • Choose to get covered annually or for a short-time only

  • Easy to get quotes

  • A lot of endorsements can be introduced to business owner’s policy and general liability insurance

Cons

  • You can’t reach customer service by calling 

Thimble grants coverage through its IT consultant insurance bundle and IT project management insurance bundle. The latter and the former offer a business owner’s policy, workers compensation insurance, and stand-alone general liability insurance. Here’s a quick summary of the features of Thimble’s quote:

  • $1 million-$2 million general liability insurance

  • $1 million-$2 million professional liability insurance (only available as an add-on to general liability insurance)

  • Business owner’s policy with a $1 million-$2 million general liability coverage and $25,000-$500,000 commercial property coverage

  • $2,500-$5,000 tools and equipment insurance

  • Workers compensation insurance


Best for: On-demand coverage for IT businesses

Average cost: $36 per month

Our rating: 9/10


Hiscox IT Business Insurance

Pros

  • Automatic policy renewal

  • Efficient claims filing and handling

  • Worldwide coverage

  • Policy limits can be easily customized

  • Policy upgrades are available 

Cons

  • Some policies are offered through a partner 

Hiscox offers a lot of insurance packages for IT businesses. Here’s a quick list of them all:

  • Software and development insurance

  • Computer programmers insurance

  • Packaged software development insurance

  • Custom computer programming insurance

  • IT consulting insurance

  • IT project management insurance

  • IT hardware/software training insurance


In connection, the insurance bundles for IT businesses that we listed above will feature some or all of these:

  • $300,000-$2 million general liability insurance

  • $250,000-$1 million professional liability insurance

  • Business owner’s policy with a $1 million-$2 million general liability coverage and $25,000 commercial property coverage

  • $10,000-$25,000 tools and equipment insurance

  • Workers compensation insurance

  • $300,000 cyber liability insurance


Best for: IT business insurance with worldwide coverage and automatic policy renewal

Average cost: $38 per month

Our rating: 10/10


Nationwide IT Business Insurance

Pros

  • Tailored policies for IT businesses of all types and services

  • Nearly 100 years in the insurance industry

  • Provides a range of coverage options

  • A+ (Superior) AM Best rating for financial strength

 

Cons

  • Limited online quoting tools

Nationwide offers industry-leading insurance coverage and solutions for IT professionals and companies of all sizes. Because companies have specific insurance needs, most insurers only provide limited coverage for specific types of IT businesses. Nationwide differentiates itself by providing various policy options for small and large IT companies. The carrier offers every type of protection your business needs, from general liability, umbrella insurance, and equipment coverage to protection for employment-related claims and cybers liability insurance. 

Moreover, Nationwide is highly rated by several insurance rating agencies. For instance, it boasts having an A+ (Superior) financial stability rating from AM Best, so you can rest assured it will pay for your insurance claim, regardless of its worth. 

One of the few disadvantages is that Nationwide only provides online quoting for five types of insurance coverage. Therefore, customers must first call and speak to an insurance agent for more detailed policy information.

Best for: IT businesses looking for comprehensive workers compensation insurance

Average cost: $42 per month

Our rating: 8/10


Berkshire Hathaway IT Business Insurance

Pros

  • Robust coverage option through biBERK and THREE

  • Discount available for annual premium payments

Cons

  • Unavailable in some states

  • New insurance company

Berkshire Hathaway offers IT business insurance through two channels. These include biBERK, a full-service insurance company for small businesses, and THREE, a newer venture that provides a simple three-page insurance policy. 

Small IT businesses looking for BOPs can purchase coverage through biBERK, which offers property coverage and general liability in a single policy. For additional policy customization, Berkshire Hathaway allows companies to include add-ons, such as employment practices and cyber liability. 

THREE provides a more comprehensive coverage option, with all the elements of a BOP and other policies, including cybersecurity, business interruption, commercial auto, and workers' compensation. It's an affordable insurance policy ideal for small IT businesses that would otherwise buy BOP with additional coverage. 

While both biBERK and THREE are relatively newer endeavors in the industry, each is backed by Berkshire Hathaway. That means the company's commercial coverage isn't available in all states. BiBERK is only available in 29 states. THREE is continuing to expand in other states, and the policy is available in many of the states where full BOP coverage isn't available through biBERK.

Best for: Companies wanting BOPs

Average cost: $44 per month 

Our rating: 8/10


Chubb IT Business Insurance

Pros

  • Provides general liability for over 1,000 business types

  • Insures IT companies of any size

  • A++ AM Best financial stability rating

  • Flexible insurance options for supplemental coverage

Cons

  • Businesses must purchase insurance through an agent

  • Online quotes unavailable

  • Global coverage requires additional policy

Chubb provides industry-specific general liability insurance tailored to IT businesses of all types and sizes at highly competitive prices. 

The company's Customarq General Liability coverage is ideal for small businesses and multinational IT companies. The insurer's general liability covers virtually everything. Although Chubb is a globally acclaimed insurance carrier, its general liability policy doesn't include global coverage, which businesses must purchase separately. 

For businesses that want insurance customizations, Chubb offers an additional policy called Continuum, which can be included in any general liability coverage or purchased separately. This extra policy covers risks, such as successor liability and discontinued IT products/services. Furthermore, small companies that generate less than $30 million in annual income can leverage Chubb's BOP to save money and expand their protection. 

Chubb scores highly in the industry in terms of financial strength and customer satisfaction. The insurer vaunts an A++ AM Best financial stability rating. The company also bagged the No. 1 spot in the 2020 J.D Power US Small Commercial Insurance Study. 

The only two drawbacks are that Chubb doesn't provide online quotes for any of its business insurance policies, and businesses purchasing IT company insurance can only do that through an agent. 

Best for: IT business insurance for IT companies of any size

Average cost: $46 per month 

Our rating: 8/10


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