Table of contents
Some people are really passionate about music. Aside from listening to their favorite records bought from the music shop, they also desire to create their own tunes. The thing is, music isn’t all about creating sound. One must learn the fundamentals to become a master.
Music teachers like you impart knowledge about music theory. You’re also concerned about correcting bad techniques that a student may do when playing a musical instrument. It is essential to have music instructor insurance coverage that protects you from liability and financial loss.
This article will discuss music teacher insurance, including its different types, costs, and quotes from various insurance companies. We will also provide information on the target business lines for this insurance coverage and answer frequently asked questions about music teacher insurance.
As a music teacher, insurance is important to protect yourself and your business from financial liabilities. Whether you work as a private music instructor, a school music teacher, or run your music studio, having insurance can provide you with peace of mind and financial protection.
Music teacher insurance is a specialized package to protect music teachers and their businesses from financial liabilities. This insurance package consists of various policies tailored to meet the specific needs of music teachers.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 | $1,000,000/$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 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $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 | $1,000,000 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
General liability insurance for music teachers is a type of insurance that protects against third-party claims of bodily injury or property damage. This type of music teacher liability insurance grants coverage for legal fees, medical expenses, and other related costs arising from lawsuits or other legal proceedings. Use the table above to see which insurance company offers the best general liability insurance for music teachers.
General liability insurance for music teachers covers various costs, including.
Medical expenses for third-party injuries
Property damage caused by a music teacher or student
Legal fees and defense costs associated with lawsuits
Settlements and judgments resulting from lawsuits
Music teachers can benefit from general liability insurance in many situations, such as:
A student falls and injures themselves during a music lesson.
A student accidentally damages a musical instrument or other equipment.
A musical instrument malfunctions accidentally injures a student
In addition to general liability insurance, music teachers can purchase add-on coverage to provide additional protection. Some of these add-ons include:
| Add-On Coverage | Description |
|---|---|
| Abuse and Molestation Coverage | Provides coverage for claims of abuse or molestation by the music teacher. This coverage is especially important for music teachers who work with children |
| Personal and Advertising Injury Coverage | This coverage can protect music teachers who may face legal action due to their advertising or promotional materials |
| Products and Completed Operations Coverage | Provides coverage for claims of bodily injury or property damage that occur after the music teacher has completed their services |
With the rise of online teaching, music teachers may wonder if their general liability insurance covers virtual music lessons. The answer depends on the policy and the insurance provider. Some policies may include coverage for virtual lessons, while others may require additional add-ons or separate policies for online teaching.
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| HIPAA coverage included? | No | No | No | No | No |
| Sexual misconduct coverage included? | No | No | No | No | Can be included |
| License defense coverage included? | No | No | No | No | Can be included |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 |
Professional liability insurance, also known as errors and omissions insurance, protects music teachers against claims of negligence or errors in their professional services. It covers legal fees, settlements, and judgments resulting from lawsuits or other legal proceedings. The coverage limits for professional liability insurance for private music teachers can differ significantly, starting from $250,000 and going up to $2 million. Use the table above to see which insurance company offers the best professional liability insurance for music teachers.
Professional liability insurance for music teachers covers various costs, including.
Legal fees and defense costs associated with lawsuits.
Settlements and judgments resulting from lawsuits.
Damages awarded to third parties due to professional negligence or errors
Music teachers can benefit from professional liability insurance in many situations, such as:
A parent filed a claim because you failed to correct a student’s technique, which resulted in injuries
You are accused of misrepresenting qualifications
The student lost in a competition and is now suing you for poor teaching practices
Abuse and molestation coverage is the only add-on to professional liability insurance for music teachers. Abuse and molestation coverage grants protection against claims for sexual harassment, verbal abuse, or assault.
The COVID-19 pandemic has raised concerns about health and safety in many industries, including music education. Music teachers may wonder if their professional liability insurance covers claims related to the pandemic. As for the answer, negligence resulting in sickness or disease in part of the claimant is typically excluded in the language of professional liability insurance.
Public liability insurance for music teachers protects against claims made by third parties for injury or property damage that may have occurred during music teaching activities. This is an older version of general liability insurance. Public liability insurance doesn’t have the add-ons typically found in a general liability policy.
The costs covered by public liability Insurance for music teachers may include the following:
Medical expenses
Legal expenses
Reimbursement for property damage
Public Liability Insurance covers teaching activities that may result in injury or property damage to a third party, such as in-person lessons, concerts, recitals, and other music-related events. Reviewing the policy documents to determine the specific activities covered and any exclusions that may apply is important.
Music teachers should be aware of any exclusions or limitations to Public Liability Insurance coverage. The policy may exclude certain activities or types of claims, such as intentional acts or criminal behavior. There may also be limitations on coverage for specific types of injuries or property damage.
Get all the best quotes from leading providers in a click of a button!
| NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
Tools and equipment insurance protects music teachers from financial losses due to damage or theft of their musical instruments, equipment, and other tools used in their teaching profession. This is available as an add-on to general liability or commercial property insurance. Tools and equipment insurance for music teachers offers $50,000 or more in coverage limits. Use the table above to see which insurance company offers the best tools and equipment insurance for music teachers.
Tools and equipment insurance is designed to cover the following:
Repair or replacement costs for damaged or stolen instruments and equipment
Rental costs for temporary replacement equipment
Loss of income due to business interruption resulting from loss of music equipment
Here are some of the situations where tools and equipment insurance becomes useful in your work as a music teacher.
A student damage your musical instrument during a lesson
Your musical instrument got lost while you’re traveling to a student’s home
You crashed into someone while walking and the musical instrument with you got damaged
| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $330,000 | $25,000/$500,000 | $60,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $60,000 | $15,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Included |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Excluded | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Excluded | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Included |
| Business interruption floater | Excluded | Included | Included | Excluded | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Included |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded | Excluded |
Commercial property Insurance is a type of insurance policy that covers the physical assets of a business, including buildings, equipment, and inventory. Commercial property insurance covers the following costs:
Damage to the building or structure due to fire, theft, vandalism, or natural disaster
Damage or loss of musical instruments and equipment
Business interruption losses, such as lost income due to damage to the studio or equipment
Use the table above to see which insurance company offers the best commercial property insurance for music teachers.
Commercial property insurance can be greatly helpful when you experience these perils:
If a fire breaks out in the studio and damages the building and equipment
If musical instruments or equipment are stolen from the studio
If a natural disaster damages the studio and its contents
Commercial property Insurance for music teachers has coverage limits ranging from $1 million or $2 million.
While commercial property insurance can help protect music teachers in the event of damage or loss, it’s always best to prevent these incidents from occurring in the first place. You can install security systems, fire alarms, and sprinklers and properly store and secure their instruments and equipment when not in use.
| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $1,000,000/$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 | $330,000 | $25,000/$500,000 | $75,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
This policy combines several types of coverage, such as general liability, property damage, and business interruption insurance, into one convenient package. BOP may provide up to $2 million in general liability coverage and up to $1 million in property damage coverage for small businesses. Use the table above to see which insurance company offers the best business owner’s policy for music teachers.
Here are the most common perils included in a business owner’s policy for music teachers:
Property damage to the business premises, such as a studio or office space
Liability claims arising from the student or third-party injuries or property damage
Loss of income due to business interruption caused by a covered event, such as a fire or natural disaster
Here are some situations where a business owner’s policy can be useful:
Accidents or injuries that occur on the business premises or during lessons
Property damage caused by a covered event, such as a fire or theft
Business interruption due to a covered event, such as a natural disaster or utility outage
A business owner’s policy can include cyber liability coverage, which covers damages resulting from a data breach, such as the theft of sensitive information or a cyber attack. Music teachers who conduct online lessons or store sensitive information electronically may want to consider adding cyber liability coverage to their policy.
Travel Insurance is designed to provide financial protection to music teachers while traveling for work-related purposes. Here are some of the costs covered in this insurance policy:
Emergency medical expenses
Trip cancellation or interruption expenses
Lost, stolen, or damaged baggage
Travel delay expenses
Emergency evacuation expenses
The coverage limits for travel insurance for music teachers can range from $10,000 to $500,000.
When purchasing travel insurance, music teachers should consider the following:
The destinations they will be traveling to and the level of medical coverage required in those areas
The length and frequency of their travels and whether a single-trip or annual policy is more suitable
Any pre-existing medical conditions they may have and whether the policy covers them
The activities they will be participating in during their travels and whether the policy covers those activities
While travel insurance is not mandatory for domestic travel, it can still benefit music teachers who frequently travel for work-related purposes. Domestic travel insurance can cover trip cancellation or interruption costs, emergency medical expenses, and lost or stolen baggage.
Commercial auto insurance protects music teachers who use their vehicles for business purposes. This is very useful if you own a car and constantly drive a vehicle to reach the locations of students. You can use commercial auto insurance to:
Cover the medical treatment of third parties you injure in a vehicular accident
Cover the repair of your vehicle in case of a collision
Cover repair expenses if your car is damaged by fire, theft, vandalism, and other covered perils
Musical instrument insurance is a type of equipment coverage specifically made for guitar, piano, violin, bass, bassoon, and other musical instruments. This grants protection for damage or loss due to theft, fire, vandalism, upset, and other covered perils. Musical instrument insurance grants a $2,000 coverage for each covered instrument. Note that endorsements may be added for damage caused by anyone borrowing your musical equipment.
Accidental medical insurance is designed to cover medical expenses incurred due to accidental injury. Costs usually included in the language of accidental medical insurance are as follows:
Medical expenses, including hospitalization, surgery, and medication costs
Diagnostic tests, such as X-rays and MRI scans
Rehabilitation costs, such as physiotherapy and occupational therapy
Loss of income due to the accident
Disability benefits
The coverage limits for accidental medical insurance for music teachers can range from $10,000 to $50,000 per accident. This insurance can help music teachers in situations such as:
Accidents that occur during teaching or performing
Injuries sustained while setting up or taking down equipment
Slips, trips, and falls
Repetitive strain injuries caused by playing instruments for long periods
Generally, pre-existing conditions are not covered under Accident Medical Insurance. It is important for music teachers to carefully review their policies and discuss any pre-existing conditions with their insurer.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $38 | $456 | $0-$500 |
| Professional liability insurance | $45 | $540 | $500-$1,000 |
| Commercial property insurance | $57 | $684 | $1,000-$2,000 |
| Business owner’s policy | $80 | $960 | $1,500 |
| Commercial auto insurance | $60 | $720 | $500-$1,000 |
| Tools and equipment insurance | $46 | $552 | $500-$1,000 |
| Accidental medical insurance | $50 | $600 | $500-$1,000 |
| Travel insurance | $48 | $576 | $500-$1,000 |
The average music teacher insurance cost is $38 per month or $456 per year for a $1 million general liability coverage. Policies that affect the cost of premiums are claims history, location, revenue, and more. The table below shows the rates of companies we commend.
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $25 | $300 | Best overall; Fastest general liability insurance for music teachers |
| CoverWallet | $31 | $372 | Comparing music teacher insurance quotes online |
| The Hartford | $36 | $432 | Additional services and resources |
| Tivly | $38 | $456 | Comparing music teacher insurance quotes over the phone |
| Hiscox | $45 | $540 | Professional liability coverage |
| Thimble | $54 | $648 | On-demand coverage and flexibility |
Get all the best quotes from leading providers in a click of a button!
Below are some of the top insurance companies that offer coverage options for music teachers. Here are some of the best music teacher insurance companies. Read some of the reviews below to know their pros, cons, and average cost for a $1 million general liability policy.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for music teachers
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Excellent customer service with 24/7 phone or online chat support
Couldn’t find any
NEXT Insurance provides customizable business policies, including music teacher liability insurance, workers’ compensation, and commercial auto coverage. They also offer online policy management tools and 24/7 customer service.
Best for: Best overall; Fastest general liability insurance for music teachers
Average cost: $25 per month
Our rating: 10/10
Customized coverage options for music teachers
Streamlined online application process
Access to licensed insurance professionals for guidance
Limited coverage options compared to other providers
CoverWallet is an online platform that offers a range of insurance options for small businesses, including general liability, professional liability, and workers’ compensation. They provide customized coverage options and a streamlined application process.
Best for: Comparing music teacher insurance quotes online
Average cost: $31 per month
Our rating: 10/10
Additional services and resources for risk management and loss control
They offer comprehensive music instructor insurance coverage options to both public and private teachers
An experienced and well-known provider
Pricing may be higher compared to other providers.
The Hartford is a well-known insurance company that offers coverage options for small businesses, including general liability, professional liability, and business owners’ policies. They also provide various additional services, including risk management and loss control.
Best for: Additional services and resources
Average cost: $36 per month
Our rating: 10/10
User-friendly online platform
Fast policy issuance
Customizable coverage options for music teachers
Limited coverage options compared to other providers
Tivly is an insurance technology company that provides music teacher liability insurance coverage options, professional liability, and business owners’ policies. They offer a user-friendly online platform and fast policy issuance. Call a representative now to compare quotes over the phone.
Best for: Comparing music teacher insurance quotes over the phone
Average cost: $38 per month
Our rating: 9/10
On-demand coverage with flexible policy durations
Customizable policies for specific business needs
Simple and easy-to-use online platform for policy management
Limited coverage options compared to other providers
May not be the best choice for music teachers who need coverage year-round
Thimble is an insurance provider specializing in on-demand coverage for small businesses and self-employed individuals, including music teachers. They offer general liability and professional liability insurance that can be customized to fit the specific needs of each business.
Best for: On-demand coverage and flexibility
Average cost: $54 per month
Our rating: 9/10
Specialized professional liability coverage for music teachers
Customizable policies with additional coverage options
Affordable pricing for basic coverage
Limited options for larger businesses
Not available in all states
Hiscox offers customizable insurance package for music teachers. This offers worldwide professional liability and general liability insurance, covering claims related to negligence, errors or omissions, bodily injury, and personal injury. They also provide additional coverage options as upgrades to the base insurance policies of your music teacher insurance package.
Best for: Professional liability coverage
Average cost: $45 per month
Our rating: 9/10
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
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
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
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!
0 / 10
Not recommended, worst company I've dealt with. Denying claims regularly.
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!
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.
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
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!
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.
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
Highest level of plan and customer service
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
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
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.
10 / 10
My experience with AAA's business insurance was fairly good. Customer service is excellent, coverage is broad, claims process was efficient. I do recommend them.
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!
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.
Not all those who wander are lost.
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