Obtain affordable coverage quickly and easily with The Hartford for business insurance. Just answer a few basic questions about your business to get started, and they'll do the rest.
Every business has different insurance needs. Explore top providers to find coverage that fits your business.
Erica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
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Erica SeppalaErica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
Editor & Senior Staff Writer
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Shelbi Wescott began working for Merchant Maverick in 2019 after 17 years as a journalism educator and publications advisor, where she has extensive knowledge of newsroom systems and editorial workflows. She has overseen multiple print and online publications and mentored hundreds of emerging writers. Shelbi is also an award-winning journalist, published author, and former small business owner with a Master of Arts in Teaching from Lewis and Clark College in Portland, Oregon.
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Shelbi WescottShelbi Wescott began working for Merchant Maverick in 2019 after 17 years as a journalism educator and publications advisor, where she has extensive knowledge of newsroom systems and editorial workflows. She has overseen multiple print and online publications and mentored hundreds of emerging writers. Shelbi is also an award-winning journalist, published author, and former small business owner with a Master of Arts in Teaching from Lewis and Clark College in Portland, Oregon.
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Our content reflects the editorial opinions of our experts. While our site makes money through referral partnerships, we only partner with companies that meet our standards for quality, as outlined in our independent rating and scoring system.
Small business insurance needs are different from big businesses’ requirements. You want the right types of business insurance at a price you can afford, with no unnecessary coverage to drive up the cost. The best small business insurance will include a range of policies, so you can add the coverage you need as your business grows while avoiding charges for protections you can do without for now.
In building this list of the best small business insurance providers, we evaluated 19 insurers and selected the best. Read our summaries of these small business insurance providers below and choose the one that will work for you.
Note: The cost of business insurance can be tough to track down. In most cases, you’ll need to speak to an insurance provider or fill out an online form with some information about your business.
Pricing varies, with some average cost examples available
Coverage Options
Comprehensive coverage with customizable policies
Quote Speed
Usually same-day
Pros
Broad availability across most states
Same-day quotes and easy application
24/7 claims reporting
Cons
Not available in Alaska or Hawaii
Why We Chose The Hartford
The Hartford stands out for its broad availability and ability to support businesses operating across multiple states. This makes it a strong option for small business owners who may relocate or expand into new markets.
The Hartford Pricing
The Hartford provides personalized quotes based on your business details, with quotes typically available the same day.
The company states that general liability averages around $810 per year, while business owners’ policies (BOPs) may average about $85 per month. Actual costs vary based on location, industry, and coverage needs.
The Hartford Coverage
The Hartford offers a range of business insurance policies, with a strong emphasis on bundled and customizable coverage.
ERGO NEXT stands out for its fast, fully online quote process, allowing small business owners to get coverage quickly without a lengthy application. It’s a strong option for businesses that want straightforward insurance with minimal friction.
ERGO NEXT Business Insurance Pricing
ERGO NEXT provides instant quotes based on basic business information. The application process can take just a few minutes.
Some company data shows that many customers pay under $25 per month for general liability coverage, though pricing varies based on factors like location, industry, and coverage needs.
Discounts are available when bundling multiple policies.
ERGO NEXT Coverage
ERGO NEXT focuses on core business insurance policies with some customization options.
Some additional coverages, such as liquor liability and product liability, may also be available.
ERGO NEXT Customer Service & Claims
ERGO NEXT offers customer support via chat during business hours. Claims and policy management can be handled online or through the mobile app at any time.
Choose ERGO NEXT If...
You want fast, online quotes and quick coverage
You run a small business with straightforward insurance needs
Flexible pricing based on coverage duration and needs
Coverage Options
Basic to moderate coverage with flexible policy options
Quote Speed
Instant online quotes
Pros
Flexible, on-demand coverage options
Instant quotes and fast coverage activation
Strong fit for event-based and seasonal work
Cons
Not available in Washington
Not ideal for large or complex businesses
Limited support options (no phone service)
Why We Chose Thimble
Thimble stands out for its flexible, on-demand coverage options. Businesses can purchase insurance by the job, day, or month, making it a strong fit for seasonal operations and event-based work.
Thimble Business Insurance Pricing
Thimble offers instant quotes based on your business details, with general liability coverage starting around $17 per month. Costs vary depending on your industry, location, and coverage selections.
Coverage can begin shortly after purchase, with flexible payment options available.
Thimble Coverage
Thimble offers a range of core policies, along with flexible coverage terms.
General liability
Business owners policy (BOP)
Commercial property
Workers’ compensation
Professional liability (E&O)
Event liability
Coverage can be adjusted, paused, or canceled as business needs change.
Thimble Customer Service & Claims
Thimble provides support through chat, email, and online resources. Claims can be managed online, and customer feedback generally highlights ease of use and flexibility.
Simply Business stands out as a broker that lets you compare quotes from multiple insurance providers with a single application. It's a quick and easy way for businesses to shop around efficiently and find competitive pricing.
Simply Business Insurance Pricing
Pricing varies depending on the insurer and coverage you choose. Basic policies may start around $550 per year, but costs vary widely based on your business type, location, and coverage needs.
Quotes are available online in about 10 minutes.
Simply Business Insurance Coverage
Simply Business connects you with a range of insurance providers, offering access to multiple policy types.
General liability
Workers’ compensation
Professional liability
Commercial property
Available coverage depends on the insurer you select.
Simply Business Customer Service & Claims
Simply Business provides customer support and account management through its platform. Claims are handled by the insurance carrier you choose, so the experience may vary.
Choose Simply Business Insurance If...
You want to compare multiple insurance options quickly
You’re looking for basic coverage at competitive rates
You prefer working with a broker rather than a single insurer
Hiscox focuses on small businesses, particularly freelancers and independent contractors. Its policies are designed for businesses with fewer employees, making it a strong fit for solo operators and small teams.
Hiscox Pricing
Hiscox offers quick online quotes with coverage available in minutes. Pricing varies based on your business details.
General liability policies start around $30 per month, though pricing varies based on coverage limits and business type.
Hiscox Coverage
Hiscox offers a range of core business insurance policies with options to customize coverage.
General liability
Professional liability (E&O)
Commercial property
Workers’ compensation
Additional options may include cyber liability, business interruption, and other specialty coverages.
Hiscox supports a wide range of industries, including:
IT and technology
Contractors and home services
Health, beauty, and wellness
Real estate and consulting
Fitness and personal services
Policies are available for different business structures, including sole proprietors, LLCs, and home-based businesses.
Hiscox Customer Service & Claims
Hiscox offers a 24/7 online claims center, with phone support available during business hours. Claims are handled by dedicated representatives once filed.
Choose Hiscox If...
You’re a freelancer, contractor, or solo business owner
You want fast quotes and simple coverage options
You need coverage tailored to a small or home-based business
Pricing varies based on coverage and business profile
Coverage Options
Comprehensive coverage with customizable policy options
Quote Speed
Approximately 30 minutes
Pros
Extensive specialty coverage and industry-specific packages
Strong support for complex business needs
24/7 claims reporting
Cons
Not available in all states
Quote process may require more detailed information
Why We Chose Nationwide
Nationwide stands out for its wide range of specialty coverage options and industry-specific packages. It’s a solid choice for businesses with more complex insurance needs that go beyond basic policies.
Nationwide Business Insurance Pricing
Nationwide provides personalized quotes based on your business details. While pricing is not published, quotes are typically available within about 30 minutes.
The process may require more detailed information than some competitors, especially for more complex businesses.
Nationwide Coverage
Nationwide offers a broad selection of core and specialty insurance products, with options to customize coverage extensively.
Nationwide offers 24/7 claims reporting, supported by a large claims team. Customers typically work directly with an agent, with additional support available online and by email.
Choose Nationwide If...
Your business requires specialized or industry-specific coverage
You need more than basic insurance policies
You’re comfortable with a more detailed quote process
CoverWallet stands out as a broker that helps businesses compare quotes from multiple insurance providers in one place. This makes it ideal for business owners who are focused on finding competitive pricing and coverage options.
CoverWallet Pricing
CoverWallet works with multiple insurance partners to provide personalized quotes. General liability coverage may start around $39 per month, though pricing varies based on your business and coverage needs.
CoverWallet does not typically charge broker fees, so pricing reflects the cost from the selected insurer.
CoverWallet Coverage
Because CoverWallet is a broker, available coverage depends on the carrier you choose, but options are broad.
General liability
Business owners policy (BOP)
Commercial property
Commercial auto
Professional liability and umbrella coverage
Specialty options may include cyber liability, liquor liability, inland marine, and more.
CoverWallet Customer Service & Claims
CoverWallet provides customer support via phone, email, and chat. Claims are handled by the selected insurance carrier, though CoverWallet can assist with the process.
Choose CoverWallet If...
You want to compare multiple insurance options in one place
You’re focused on finding competitive pricing
You prefer working with a broker rather than a single insurer
International coverage and global claims capabilities
Dedicated claims representatives
Cons
Online quotes may not be available for larger businesses
May be more complex than needed for very small businesses
Why We Chose Chubb
Chubb stands out for its ability to support larger small businesses and companies with more complex or international operations.
Its global presence and specialized coverage options make it a good choice for businesses that operate across borders or plan to expand.
Chubb Small Business Insurance Pricing
Chubb provides personalized quotes based on your business details. Smaller businesses may be able to start the quote process online, while larger businesses may need to work with an agent.
Pricing varies depending on factors like revenue, location, and coverage needs.
Chubb Coverage
Chubb offers a wide range of policies designed for growing and more complex businesses.
Business owners policy (BOP)
General liability and commercial property
Workers’ compensation
Professional and management liability
Cyber risk coverage
Chubb also offers international coverage packages, including support for businesses operating or traveling overseas. These may include services such as emergency assistance and global claims coordination.
Chubb Customer Service & Claims
Chubb offers claims reporting online and by phone, with support from dedicated claims representatives. Global claims teams coordinate support for businesses operating internationally.
Choose Chubb If...
You operate internationally or plan to expand globally
Your business has complex or specialized insurance needs
You want coverage that can scale as your business grows
Pricing varies based on coverage and business profile
Coverage Options
Comprehensive coverage across multiple industries
Quote Speed
Requires agent contact (not instant)
Pros
Strong risk management tools and resources
Wide range of coverage options
Nationwide availability
Cons
No online quotes available
Why We Chose Travelers
Travelers stands out for its strong focus on risk management. In addition to offering a wide range of insurance policies, it provides tools and services designed to help businesses reduce risk and prevent losses before they occur.
Travelers Business Insurance Pricing
Travelers provides personalized quotes through local agents. Pricing is not available online, and you’ll need to connect with an agent to receive a quote.
Costs vary depending on your business size, industry, and coverage needs.
Travelers Coverage
Travelers offers a wide range of business insurance products, along with specialized coverage options.
Business owners policy (BOP)
General liability and commercial property
Workers’ compensation
Cyber liability and excess coverage
Additional specialty options may include environmental liability, inland and ocean marine, and surety bonds.
Travelers also offers risk control services, including assessments, planning tools, and access to a large library of risk management resources.
Travelers Custom Service & Claims
Travelers offers 24/7 claims reporting online and by phone. Policyholders can manage accounts, track claims, and access resources through an online portal, with support from local agents.
Merchant Maverick has been researching and reviewing business insurance since 2020. Our writers have tested over twenty different major insurance companies. In each review, we evaluate pricing, features, customer service, and user reviews.
When comparing different business insurance companies, we consider many data points, including relative pricing, the number of standard insurance policies available, and the ability to create custom policies. Our lists of the best business insurance providers include only those we’ve deemed worthwhile from multiple vantage points and often share qualities such as low cost, a variety of niche business insurance policies, multiple ways to file claims, and excellent customer support.
We spend an average of 10-15 hours researching and updating each one of our lists, ensuring that the business insurance companies included meet our internal standards for quality and reputation.
Which Small Business Insurance Is Right For Your Business?
Whether you need specialty coverage, nationwide availability, fast quotes, price comparisons, or risk management tools, there’s an option on this list to fit your business.
From freelancers and independent contractors to growing small businesses, you can find coverage that matches your needs.
Erica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
View Erica Seppala's professional experience on LinkedIn.
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
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