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Business insurance for small businesses.

Liability, commercial auto, workers' comp and more, from carriers built for small business.

No payment, no obligation. We reply within the hour during business hours.

or call (813) 338-5036

What it covers

  • General liability

    Covers injury and property damage claims against the business.

  • Business owner's policy (BOP)

    Bundles general liability with coverage for your own property and equipment.

  • Commercial auto

    Covers vehicles used for work, which personal policies often exclude.

  • Workers' compensation

    Covers an employee's medical bills and lost wages after a work injury.

  • Professional liability (E&O)

    Covers claims that your advice or work caused a client a financial loss.

  • Certificates of insurance

    Proof of coverage when a client or landlord asks.

What to have ready

  • What the business does and where
  • Number of employees and payroll estimate
  • Vehicles used for work
  • Any contract that spells out required coverage

Carriers we quote for business

  • NEXT Insurance (ERGO)
  • Pie
  • Progressive
  • GEICO
  • National General
  • Kemper

Availability varies by state and situation.

Frequently asked questions

What's the difference between general liability and a BOP?

General liability covers injury and property damage claims against the business. A BOP bundles general liability with coverage for your own property and equipment, usually at a better price.

Can I use my personal auto policy for work?

Usually not for regular business use. Personal policies often exclude it; commercial auto fixes that.

Do I need workers' comp?

It depends on the state and how many people you employ. Florida: most non-construction businesses at four or more employees, construction at one. Georgia and North Carolina: three or more employees, part-time included. South Carolina: four or more, counting part-time workers and family members. Texas: optional for most private employers, though many contracts require it. Tell us your setup and we'll check.

How fast can I get a certificate of insurance?

Once a policy is bound, certificates are routine. Ask us when you need one.

Talk to a real person.

Mon–Fri 9am–5pm ET. After hours, book a time and we'll call you.