Free business insurance quotes for every U.S. business.

Yes. Comparing business insurance through Insurancy is 100% free. There is no cost, no obligation, and no credit card required. We are compensated by the insurance carrier upon policy issue, never by you. You see the same rates a carrier would quote directly.

A Business Owner’s Policy bundles two of the most common small business coverages, General Liability and Commercial Property, into one package at a discount. Some carriers add business income (loss of use) coverage too. BOPs are designed for low- to medium-risk small businesses such as offices, retail stores, restaurants, and contractors and are usually the most affordable way to get the core protection you need.

For most businesses yes. General Liability covers third-party bodily injury, third-party property damage, and personal and advertising injury claims. Landlords, vendors, and clients often require proof of GL before you can sign a lease, get a contract, or open a booth at an event. Even single-owner LLCs and freelancers benefit, because one slip-and-fall lawsuit can wipe out personal savings.

General Liability covers physical risks: someone trips in your store, a worker damages a client’s property, a customer sues over an injury. Professional Liability, also called Errors & Omissions (E&O), covers financial harm caused by your professional advice, services, or work product. Consultants, agencies, designers, accountants, IT firms, real estate agents, and healthcare providers typically need both.

In most U.S. states, yes, as soon as you hire your first W-2 employee. A few states have higher thresholds for very small businesses. Workers’ comp covers medical bills and lost wages when an employee is injured on the job, and protects you from most employee injury lawsuits. Independent contractors usually do not require coverage, but misclassifying employees as 1099 can be costly. Your Insurancy agent helps you stay compliant.

Cyber liability covers the costs of a data breach, ransomware, or cyber-attack: forensics, customer notification, credit monitoring, legal defense, regulatory fines, business interruption, and even cyber-extortion payments. If your business stores any customer data (names, emails, payments, health records), accepts credit cards, or relies on cloud software, cyber coverage is increasingly essential and often required by clients.

It depends on your industry, revenue, payroll, contracts, and assets. As a starting point, most small businesses carry $1 million per occurrence and $2 million aggregate in General Liability ($1M / $2M). Contracts may require higher limits or specific endorsements. Your Insurancy agent reviews your contracts, lease, payroll, and risk exposure to recommend limits that match your real-world exposure - not just the minimum.

Yes, especially Professional Liability (E&O) and General Liability. Many freelance platforms, agencies, and corporate clients now require contractors to carry $1M in liability before signing a contract. Even without that requirement, one disgruntled client or accidental data loss can lead to a lawsuit that exceeds your annual income. Solo freelancer GL + E&O bundles often run $30 to $80 per month.

Commercial auto insurance covers vehicles owned, leased, or used by your business. Personal auto policies typically exclude business use beyond commuting. If you, your employees, or delivery drivers use vehicles to make deliveries, visit job sites, transport equipment, or carry clients, you need a commercial policy. We quote standard commercial auto, hired and non-owned (HNOA), and fleet policies.

Almost never beyond a tiny amount of business property (often only $2,500). Homeowners policies exclude most business liability and business income claims. If you run a business from home, even as a side hustle, you should add a Home-Based Business endorsement, a stand-alone BOP, or a Professional Liability policy depending on what you do.

An additional insured endorsement extends your General Liability coverage to a third party such as a landlord, client, or general contractor. It protects them if a claim arises from your work. Many commercial leases, vendor agreements, and construction contracts require you to name them as an additional insured before you can begin work. Insurancy issues Certificates of Insurance (COIs) and additional insured endorsements quickly, usually same day.

Yes, and you should. Bundling General Liability and Commercial Property into a BOP is the most common combination. Many carriers also offer multi-policy discounts when you add workers’ compensation, commercial auto, or umbrella through the same insurer. Your Insurancy agent quotes individual policies and bundle options so you can compare total cost.

It varies widely by industry, location, payroll, revenue, and coverage limits. A solo consultant might pay $30 to $60 per month for GL + E&O. A small retail BOP might cost $40 to $100 per month. Workers’ comp varies by class code and payroll. The fastest way to know is to get real quotes from multiple carriers - your Insurancy agent shops the market for your exact business profile.

Insurancy works with both standard and specialty business insurance carriers, including those that cover construction trades, restaurants, bars, fitness studios, cannabis, transportation, manufacturing, healthcare, and tech. If a standard market declines you, our agents shop specialty carriers and surplus lines markets to find acceptable coverage.

Most small businesses complete the Insurancy form in about 3 minutes. A licensed commercial agent then calls or emails you with quotes - usually within the same business day. Simple BOP and GL policies can be bound and issued same day, often with a Certificate of Insurance emailed within an hour of payment.