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As your #1 marketplace for small business insurance, we’re committed to making sure that getting insurance for your business is a breeze. That’s why we partner with the best insurance carriers who offer the right coverage plans for our customers.
Find the best coverage for your business from top carriers
View video transcript.
[video: an animated header displays the Insureon logo]
[video: an illustrated header displays the text: "Trustpilot: Excellent" with a rating level of 4.5 stars]
MAURA BENSON, DIRECTOR OF CARRIER RELATIONSHIPS, INSUREON: An insurance company's rating is determined on their financial stability, and really what matters most in terms of having insurance coverage is that they're going to pay your claim at the time of a loss.
[video: illustrated footer displays the text: "Maura Benson, Director Carrier Relationships"]
We have access to 40 plus insurance companies, recognizing that every small business is different, is unique.
[video: a number of animated logos display for a variety of insurance carriers, including The Hartford, Philadelphia Insurance Companies, AmTrust Insurance, Travelers Insurance, Acuity Insurance, Chubb Insurance, The Hanover Insurance Group, Hiscox Insurance, and Liberty Mutual Insurance.]
They, of course, are covering all kinds of different services from lawn care, to IT consulting, accounting, even restaurants and bars. And it's nice for us to have a wide range of great carriers to find the best coverage and the best options for that small business owner.
[video: an illustrated header displays the text: "40+ insurance company options"]
Just knowing that each company is unique in its own, and we want to make sure that we're finding the perfect carrier insurance company option for that small business.
The small business owner would have a variety of needs depending upon what type of risk they're trying to cover. Our insurance companies provide coverage for general liability, professional liability, business owner's policy, that will provide them some additional coverage for their property, as well as workers' compensation and commercial auto.
[video: an illustrated header displays the text: "Policies for every need"]
We understand that they're busy doing their jobs and growing their business, having this platform allows them to do that at any time that's convenient for them. As well, we have producers dedicated to helping the small business owner finalize that coverage once they've been able to, you know, go online and submit the application and obtain those quotes to see what their options are for for various types of coverage.
The individual contacts at these large carrier firms allow us to really establish strong relationships and partnerships, and that really helps us to make sure we're getting a quick turnaround, and we're able to provide the most competitive rates for the consumer, for that small business applicant, as well.
[video: an illustrated header displays the text: "Strong partnerships = better rates"]
It, you know, just allows us to quickly introduce new products and make sure that our producers are well educated on different offerings and different coverage options that the carrier has, as well as servicing those needs quickly.
New policies have been introduced from our insurance company partners, notably cyber. We also now have partnerships with carriers that offer coverage for cannabis, which is something that's different and not widely available.
[video: an illustrated header displays the text: "Technology integration"]
Technology integration is an important next step with our insurance companies. We've developed strong personal relationships, as well as a great understanding of the coverage that's available, and really the next phase of that is just making sure that we're digitally enabled and together, as partners, to really move forward in the convenient options that we can provide.
The insurance companies that we partner with really value the relationship. We align well in our core values, as well as our number one concern: Providing the best option of insurance coverage for a small business owner.
[video: an illustrated header displays the text: "Committed to the best coverage"]
[video: an illustrated header displays the text: "#1 digital agency"]
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Table of contents
We partner with the best small business insurance companies
The Hartford
The Hartford has proudly delivered insurance to people and businesses since 1810, offering them the support and protection they need to pursue their unique ambitions.
- AM Best rating: A+
- Customer rating: 4.8/5 for business claims
- Location: Hartford, CT
- Specialty: Property and casualty insurance, group benefits, and mutual funds
Liberty Mutual
Liberty Mutual delivers tailored business insurance with expertise and care to help protect people, their property, and their reputations.
- AM Best rating: A (Excellent)
- Customer rating: 90% highly satisfied with claims process
- Location: Boston, MA
- Specialty: Property and casualty insurance
Acuity Insurance
Acuity has provided business insurance since 1925, helping entrepreneurs and business owners protect their livelihood.
- AM Best rating: A+
- Customer rating: 96% claims satisfaction
- Location: Sheboygan, WI
- Specialty: Property and casualty insurance
Philadelphia Insurance Companies (PHLY)
PHLY specializes in 120+ niche industries and has 30 years of experience underwriting management and professional liability insurance.
- AM Best rating: A++
- Customer rating: 97% claims satisfaction
- Location: Bala Cynwyd, PA
- Specialty: Property and casualty, management, and professional liability insurance (E&O insurance)
AmTrust Financial
AmTrust has grown to become an industry-leading insurance provider, focusing on small business insurance solutions with an emphasis on workers’ compensation.
- AM Best rating: A- (Excellent)
- Location: New York, NY
- Specialty: Property and casualty insurance, specialty risks, and workers' compensation insurance
The Hanover
The Hanover approaches insurance as an opportunity to tailor a coverage plan that provides value and confidence to your business.
- AM Best rating: A (Excellent)
- Customer rating: 92% satisfaction rate
- Location: Worcester, MA
- Specialty: Business, specialty, and personal insurance
Protect your business with the best insurance coverage
Nationwide
Nationwide offers a customized variety of commercial insurance policies to help small businesses run smoothly.
- AM Best rating: A+
- Location: Columbus, OH
- Specialty: Auto insurance, commercial insurance, mutual funds, retirement plans, and specialty health services
Hiscox
Hiscox has insured small businesses since 1901, supplying them with the confidence and risk management tools they need to realize their ambitions.
- AM Best rating: A
- Customer rating: 4.8/5
- Location: 30 N. LaSalle St., Suite 1760, Chicago, IL
- Specialty: General liability, professional liability, business owner’s policy (BOP), and cyber liability insurance
Chubb
Chubb provides insurance to a diverse group of clients, and as an underwriting company, they assess, assume, and manage risk with insight and discipline.
- AM Best rating: A++
- Location: Dedicated small business underwriting teams located in Simsbury, CT, Charlotte, NC, and Phoenix, AZ
- Specialty: Property and casualty insurance, and BOP
Travelers
Travelers offers a wide range of business insurance options, designed to help business owners identify and reduce the risks their businesses face.
- AM Best rating: A++
- Customer rating: 98% satisfaction rate
- Location: Hartford, CT
- Specialty: Commercial property and casualty insurance, and personal insurance
Visit our partner companies' dedicated pages for more information
Top policies our carriers cover
General liability insurance
Most small businesses require general liability insurance for common business risks such as bodily injury and customer property damage. For Insureon customers, the average cost of a general liability policy is $42 per month or $500 per year.
Business owner's policy
For businesses looking to save money, a business owner's policy bundles general liability coverage and commercial property insurance into one policy. Typically, Insureon customers pay an average cost of a business owner's policy is $57 per month or $684 annually.
Professional liability insurance
Unhappy clients? Professional liability insurance, also known as errors and omissions or malpractice insurance, helps cover legal expenses in the event of a lawsuit. Check your state's laws to see if you're required to carry professional liability. On average, professional liability insurance policies cost $61 per month.
Workers' compensation insurance
Workers’ compensation insurance assists with work-related injury costs and lost wages. And most states require this coverage. Insureon customers pay an average of $45 per month, or $542 annually, for workers' compensation insurance.
Cyber liability insurance
Do you handle customer data and information? Cyber liability insurance covers financial losses resulting from data breaches and cyberattacks. The average premium cost for Insureon customers is $145 per month.
Commercial auto insurance
If your business owns vehicles, then you probably need commercial auto insurance. It’ll cover legal bills, medical expenses, and property damage to company-owned vehicles, and it’s required in most states. Most Insureon customers see an average cost of $147 per month for commercial auto insurance.
Additional key policies our dedicated carriers offer
Industries we insure
Our knowledgeable insurance agents will help you get answers to your specific coverage and risk management questions, and make sure your coverage matches your risks. Now, that’s peace of mind.
No matter your industry or state, you can speak with one of our dedicated consultants at any point in the process.
Discover coverage for businesses like yours
View required and recommended insurance policies specific to your industry.
Don't see your industry? Don't worry. We insure most businesses.
How much does small business insurance cost?
Each business is unique in their insurance requirements and needs. This means the cost of insurance will vary for each owner. Small businesses, especially low-risk ones, often qualify for discounted business insurance. Prices can vary based on:
- Industry and risk factors
- Coverage limits
- Location
- Number of employees
How do I get business insurance with Insureon?
Get started by completing Insureon’s easy online application today. You can get free quotes for general liability, BOPs, and other business insurance policies from our industry-leading, A-rated U.S. carriers.
Once you find the right policies for your unique risks, you can begin coverage in less than 24 hours and get a certificate of insurance for your small business.
Updated: December 1, 2023
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