General Liability Insurance Companies For Small Business - General liability insurance is probably the most popular business insurance that almost all businesses should have. This is required in some professions such as construction. The good news is that many insurance companies offer this product, so it's easy to find the best one for your business. We've reviewed over 30 companies that offer general liability insurance and bring you the top 10 to consider
Almost all business insurance companies and digital brokers offer general liability insurance. It can be confusing trying to find the best one for your particular situation. We researched over 30 companies to come up with the top 10 list of general liability insurance providers below:
General Liability Insurance Companies For Small Business
CoverWallet is a digital business insurance broker that sells all types of business insurance. They are not an insurance company themselves, but once you enter all your information, they will provide quotes from their partners. If you want a quote from anyone other than their partners, you're out of luck.
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CoverWallet is very easy to use and generates a quote in minutes. This quote is for an independent contractor living in Ohio with an annual income of $500,000.
After purchasing a policy with CoverWallet, you can use their digital dashboard to conveniently manage all your business insurance policies in one place.
Simply Business are similar to CoverWallet in that they are not an insurance company. Instead, they collect quotes from their partners to provide business insurance. In theory, you could compare the three or four best quotes and then pick the best one. However, as you can see here, sometimes they only return offers from one company.
This quote is for an independent contractor in Ohio with $500,000 in annual revenue. There are many questions you need to answer about your business, so your results may vary. Also, an "independent contractor" can be anything from commercial construction to residential remodeling, exterior work, or interior work. There are many variables.
General Liability Insurance For Your Business
Commercialinsurance.net is another digital commercial insurance broker. They may give you a quote online, but then one of their agents will call you to actually purchase the policy. Once you enter your information, you will be presented with a list of all the companies that offer business insurance in your state (Ohio in this case). From there you can click on "get a quote" and it will take you to the company's website.
Alternatively, you can call them and discuss the situation with an experienced agent. Business insurance is general and business general liability insurance can be a bit complicated. If you are new to purchasing business insurance, it may be helpful to speak with an agent as soon as possible. If you want to do this, commercialinsurance.net is a good choice.
Of course, Liberty Mutual is behind the insurance. They are actually a subsidiary of Liberty Mutual. They offer business insurance for many different industries.
This quote is for an independent contractor business in Ohio with $500,000 in revenue. To purchase insurance, you must create an account and enter your debit or credit card information. You can also choose how you pay: monthly, quarterly or annually.
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Hiscox offers general liability insurance at special rates for small businesses. They insure a wide range of occupations and have a handy rate calculator on their website so you can get a quote quickly. Hiscox is known for its competitive pricing. A sample quote for a hot dog stand was about $600 a year or $47 a month. If your company is small, Hiscox may be your best choice. They have a small business division specifically dedicated to working with small businesses with less than ten employees and A.M. has an "A" rating from Best, a national credit rating agency.
The Hartford is top rated overall on several business listings, The Hartford offers good rates for small businesses, qualified professionals and discounts when bundling multiple insurance policies. Hartford is rated "A+" by financial services firm Standard and Poor's and has a dedicated small business division. You will need to call Hartford to get a quote for your business, but they have an experienced team of representatives ready to answer your questions.
Zurich offers flexible payment options in the form of cash, credit, check and online payment. They offer many types of insurance including general liability and have over 100 years of experience. There is a lot of information on Zurich's website, but you may need to call them to get an accurate quote for your business. They have a dedicated hotline that can answer your questions quickly and efficiently. Zurich also has the best customer ratings and customer satisfaction.
Berkshire Hathaway Guard is known for its focus on small and medium-sized businesses, including Berkshire Hathaway Guard coverage and security training programs. BHG has an excellent AM "A+" rating and strong ratings from other financial institutions. It also allows customers to report a claim at any time, 24 hours a day, seven days a week. You can fill out their online form and a representative will contact you with a quote. Alternatively, you can contact the policyholder service center and request immediate assistance. Berkshire Hathaway Guard is aimed at large retail companies, so if your business is small, you may want to shop around before deciding on coverage.
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Travelers has powerful customization options that allow you to tailor your coverage to your business needs. They also have over 160 years of experience, a 24/7 complaint center and a mobile app. Travelers has a simple online form that can help connect you with an agent who can find the right coverage for your business. Traveler rating "A++" by A.M. Smart and thorough, informative online quote system. Travelers also has great packages and many policy discounts.
Next Insurance is an online insurance company focused on entrepreneurs and small businesses. Completely online, Next offers free monthly payments and 24/7 access. Next uses new technology to quickly find the best quotes and can create custom rules for your small business. In addition, they have one of the fastest online quote generators of any online insurance company. If you are starting a small business, Next Insurance may be your best choice.
It is important to understand that general liability does not apply to you if your employees are injured while working for you: you will need workers' compensation insurance for this. This does not apply to you if one of your employees steals a customer's property. It won't cover you if you damage your own property (you need commercial property insurance for this damage).
However, the average cost of general liability insurance is only $42 per month. Construction workers and contractors pay the most, while photographers and videographers pay the least.
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Make sure you shop around with multiple companies to compare quotes before purchasing your policy. Working with a digital broker like CoverWallet or Simply Business is a good way to get and compare multiple quotes from one place.
General liability insurance is not required by law unless you work in the construction industry. In this case, some states require you to be licensed (see the 6 best construction insurance companies). In addition, most clients want general liability insurance for contractors and developers.
If you do not work in the construction industry, it is certainly a good idea to take out general liability insurance, but it is not mandatory. General liability insurance is the most common type of business insurance. However, some states require other types of commercial insurance, such as workers' compensation insurance. Check with your state to find out what the laws are.
We do our research to find the best general liability insurance companies for each popular profession and break them down below for easy reference. Click on the job title to learn more:
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General contractors need general liability insurance because construction sites are places where customers and even bystanders can easily get hurt. Also, many states and most clients require it from you. Our top tips for general liability contract insurance can be found here.
Even though your business assets and personal assets are now separate, it's a good idea to get general liability insurance as an LLC. General liability covers your legal costs if you are sued, and it's not that expensive. The average small business owner pays $42 a month, so it's worth it. Read more about it here.
When you first go into business for yourself, you are probably a sole proprietor. This is the easiest way to start a new business. This means that you and your business are one when it comes to taxes, liabilities and income. Despite what some may think, you are not limited to being the only person in your company – a sole proprietor can employ employees just like anyone else. The type of work you do has a greater impact on how much you pay for general liability insurance than the structure of your business.
General liability insurance is required. Since you left
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