Until something goes wrong. A slip and fall. An employee injury. A client lawsuit. A fire. These things happen — and when they do, the wrong coverage (or no coverage) can end a business overnight.
We make sure that doesn't happen to you. Tell us about your business and we'll find the right coverage — no guesswork, no gaps.
Storefront, food service, or public-facing business
Construction, electrical, plumbing, roofing, or similar
Consulting, accounting, IT, real estate, or agency
Landscaping, cleaning, salon, gym, or auto shop
We cover most industries — just tell us what you do
They assume their personal policies cover their business. They don't. The moment you use a personal vehicle for a work errand, serve a client in your home, or hire your first employee — your personal insurance stops covering you in those situations.
The good news? Business insurance is more affordable than most people think. A basic general liability policy for a small business can cost less per month than a cell phone bill. The right coverage doesn't have to break the bank — it just has to be the right coverage.
We'll find out exactly what you need — and what you don't. →These are the policies most businesses can't operate without — either because they're required by law, required by clients, or simply too important to skip.
If a customer is injured on your property, or you accidentally damage a client's property, general liability pays for it. Most clients and commercial leases require it before you can even start work. This is the foundation — get this first.
A BOP bundles general liability and commercial property into one policy — covering your building, equipment, and liability together. It's the most cost-effective starting point for businesses with a physical location and usually costs less than buying each policy separately.
The moment you have employees, workers comp is likely required. In California and Nevada that's from employee one. In Tennessee it kicks in at five employees. It covers medical costs and lost wages if someone gets hurt on the job — and protects you from lawsuits that could follow.
If anyone in your business drives for work — even their own personal vehicle — your personal auto policy won't cover an accident that happens on the job. Commercial auto fills that gap. Contractors, delivery, service calls — if you drive for your business, you need this.
Depending on your industry and how you operate, these additional policies may be just as important as the basics.
If you give advice or provide a professional service and a client claims your work caused them financial harm, E&O covers your legal defense and any settlement — even if the claim is unfounded.
If your business stores customer data, takes card payments, or runs on software — you're exposed. Cyber liability covers data breaches, ransomware, and the recovery costs that follow. No business is too small to be a target.
Sits on top of your general liability or commercial auto policy. If a major claim exceeds your underlying coverage limits, umbrella picks up the rest — often millions in additional protection for a relatively small annual cost.
That's completely normal — most business owners aren't insurance experts, and they shouldn't have to be. Tell us what you do, how many people you have, and where you operate. We'll figure out the rest and come back to you with exactly what you need — and nothing you don't.
Veteran and active duty business owners may qualify for exclusive commercial insurance rates. We search every carrier for every discount you've earned — on every policy type.
See Military Rates →Your service history can unlock better commercial rates at multiple carriers. We find them automatically when you get a quote.
Government contracts often require specific policies and coverage limits. We know exactly what you need and can get it done fast.
Just tell us what your business does. We'll ask the right questions and come back with exactly the right coverage — no guesswork.
Tell us what you do. We'll handle the rest — free, fast, and with zero obligation.