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Business Insurance and Services for Small Businesses

Protect it, fund it, run it. Start with the coverage your business needs, see what it really costs, and learn what to ask before anyone calls you.

What business insurance is

There isn't one policy called business insurance. You're buying one or more separate coverages, and each one has its own price and its own gaps.

Most owners start with general liability, which covers someone else getting hurt or their property being damaged. Many then bundle it with property coverage in a business owner's policy. Add workers' comp once you hire, commercial auto if you drive for work, and professional liability or E&O if clients pay you for advice.

Pick a coverage below to see typical costs, what it leaves out, and what to ask. All you need is a ZIP code.

AssistQuote may earn a commission when you get a quote through our partners. This doesn't change what you pay.

See small business coverage options with ThimbleSponsored

Helpful guides

Check your contracts first.

Clients and landlords often require certain coverage and limits. Know them before you buy.

Know how you're priced.

Your type of work, payroll, sales, location and past claims all matter.

Match funding to the need.

Short-term cash, equipment loans and credit lines each solve a different problem.

Have your numbers ready.

Yearly sales, payroll, number of workers and years in business. Almost every provider asks.

Check your state's workers' comp rules.

Each state sets its own. Look them up before you hire.

Ask for the APR and total payback.

A factor rate of 1.3 on $10,000 means you pay back $13,000.

How AssistQuote works

  1. 1

    Tell us what you need

    Pick a topic and enter your ZIP code. That's it. We don't ask for your name, email or phone number.

  2. 2

    Learn what it costs

    See real price ranges from sources we name. Learn what makes the price go up or down, and the questions to ask.

  3. 3

    Compare your options

    See providers side by side. You pick who, if anyone, to contact. We don't pick for you.

  4. 4

    Visit when you're ready

    Go to the provider's site when you want to. You decide what to share with them.

AssistQuote may earn money when you use certain links or do business with a participating provider. This may affect which providers you see and where they appear. Providers set their own prices and terms. Compare your options before you decide.