Compare small business insurance for new businesses (2026)
5 options side by side: prices, fees, Spanish support and what to watch out for. Turn tools on and off, filter by what you need, or show only the rows where they differ.
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| Best for | New owners wanting fast online coverage from one insurer | Owners comparing carriers who want a licensed agent's help | Gig and project workers needing coverage per job | Solo owners comparing basic liability quotes online | Consultants and professionals needing professional liability coverage |
| Skip if | You want to compare several insurers' prices or need weekend human support. | You want published starting prices, a mobile app, or weekend phone help. | You need phone support, Spanish help, or may cancel an annual policy early. | You need Spanish help, commercial auto, cyber coverage, or a mobile app. | You're in Alaska, want a mobile app, or need workers' comp from the same insurer. |
| Free plan or trial | No | No | No | No | No |
| Spanish | Spanish support | Spanish support | English only | English only | Spanish support |
| Support | Chat and phone M-F 8am-5pm CT; 24/7 AI assistant | Phone, text, email M-F 8am-8pm CT | Chat and email M-F 9am-6pm ET; no phone | Phone and email; sales M-F 8am-8pm ET, service M-F 9am-6pm ET | Phone M-F 7am-10pm ET, Sat-Sun 8am-5pm ET |
| Mobile app | Yes | No | Yes | No | No |
| Public rating | 4.9/5 (App Store, 14,461) | 4.6/5 (Trustpilot, 2,407) | 4.2/5 (Trustpilot, 2,371) | 4.2/5 (Trustpilot, 1,883) | 1.4/5 (Trustpilot, 958) |
| Type | Direct insurer | Online agency comparing several carriers | Online agency (Arch-owned) selling own-brand policies | Online agency comparing several carriers | Direct insurer |
| Published prices | GL from $19/mo | Not published | GL from $17/mo | GL from $20.75/mo | GL from $30/mo |
| Coverages | general liability, professional/E&O, workers' comp, BOP, commercial property, commercial auto, tools/equipment, employment practices, product liability, liquor liability | general liability, professional/E&O, workers' comp, BOP, cyber, commercial property, commercial auto, umbrella, tools/equipment, bonds | general liability, professional, BOP, tools/equipment, commercial property, workers' comp, cyber, commercial auto, event, surety bonds | general liability, professional/E&O, workers' comp (incl. sole proprietors), BOP, tools/equipment (inland marine), business personal property | general liability, professional/E&O, BOP, cyber, workers' comp (via The Hartford), commercial auto, property, umbrella, inland marine |
| Instant certificate | Yes, free and unlimited (web or app) | Usually within a couple of hours; up to 48h for higher-risk | Yes, instant with unlimited copies | Yes, most in minutes online, 24/7 | Yes, online with email and policy number |
| Monthly payments | Yes, same total as paying yearly | Payment plans available | Yes; annual GL also in 10 installments | Monthly or yearly for select coverages and insurers | Yes, no extra fee (PL: 2 months down) |
| Cancel anytime | Yes, prorated refund | Not published | Monthly/on-demand: yes, prorated; annual: short-rate refund | By phone (policyholder only); refund terms not published | By phone; refund terms not published |
| States | Agencies licensed in all 50 + DC; not every coverage in every state | All 50 states (licensed in every state) | All 50 states + DC | All 50 states + DC | 49 states + DC; not Alaska |
| Insurer and rating | Next Insurance US Company, AM Best A+ (Superior); some policies via State National or National Specialty | 100+ carriers, e.g. The Hartford, Liberty Mutual, Chubb, Travelers, Hiscox; top partners AM Best A- to A++ | GL: Markel Insurance Co. or National Specialty Insurance Co., both AM Best A (Excellent); BOP via Coterie | 18 carriers incl. Travelers, Liberty Mutual, Hiscox, CNA, Markel, Arch, biBERK | Hiscox Insurance Company Inc., AM Best A (Excellent) |
| Time to quote | About 10 minutes online | Few-minute online application; quotes right after | Quote in seconds, coverage in minutes | Under 10 minutes online | Fast online quote; same-day coverage |
| Who it's for | 1,300+ professions: contractors, cleaning, food, retail, fitness, consulting | Broad: IT, contractors, cleaning, healthcare, food, retail, real estate, consulting | 300+ professions: contractors, cleaners, landscapers, photographers, fitness, beauty, events | 400+ types: construction, cleaning, professional services, retail, e-commerce, food | Consultants, IT, marketing, architects, beauty, fitness, real estate, contractors |
| Claims | Online or app; claims advocate contacts you within 1 business day | File with your carrier; Insureon agents help M-F 8am-8pm CT | Online form or account; handled by Markel, Sedgwick, or Reserv | File with your carrier; many accept claims online 24/7 | Online form, phone (7 days a week), or mail |
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Before you choose
Do this first
Have your trade, your expected yearly revenue and payroll, and the coverage amount your clients or landlord ask for.
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