Top rated business insurance

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AI-generated summary · updated July 27, 2026 · verify details before purchase.

1. 1 Best overall

   Hiscox Business Insurance

   ★★★★☆4.5/5 $30-$80/month

   Hiscox offers customizable policies with strong coverage options and excellent customer service, ideal for small to medium businesses.

   • Customizable coverage
   • Fast claims process
   • Professional liability expertise

   • Higher rates for high-risk industries

   View on Amazon manufacturer site
2. 2 Best for startups

   Next Insurance

   ★★★★☆4.4/5 $20-$60/month

   Next provides affordable, easy-to-manage online policies with quick quotes and coverage for various small businesses.

   • Instant online quotes
   • Simple policy management
   • Affordable for low-risk businesses

   • Limited customization options

   View on Amazon manufacturer site
3. 3 Best for freelancers

   Thimble Business Insurance

   $25-$75/month

   Thimble offers flexible, short-term policies ideal for gig workers and freelancers needing on-demand coverage.

   • Pay-as-you-go plans
   • Short-term options
   • Quick cancellation

   • Not ideal for long-term coverage

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4. 4 Best for comparison shopping

   Simply Business Insurance

   ★★★★☆4.3/5 $20-$70/month

   Simply Business compares quotes from multiple insurers to find competitive rates for small business owners.

   • Multiple quotes in minutes
   • Free broker support
   • No hidden fees

   • Not direct insurer

   View on Amazon manufacturer site
5. 5 Best for established businesses

   The Hartford Business Insurance

   ★★★★★4.6/5 $40-$100/month

   The Hartford provides comprehensive coverage with strong financial stability and excellent customer satisfaction.

   • Strong financial ratings
   • Broad coverage
   • Industry-specific options

   • Higher premiums

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6. 6 Best for high-risk industries

   Chubb Business Insurance

   ★★★★☆4.5/5 $50-$120/month

   Chubb offers tailored policies with high liability limits and extensive risk management resources.

   • High coverage limits
   • Global reach
   • Risk management services

   • Expensive
   • Not for micro-businesses

   View on Amazon manufacturer site
7. 7 Best for online management

   CoverWallet Business Insurance

   ★★★★☆4.2/5 $25-$80/month

   CoverWallet provides digital-first insurance with easy policy management and claims handling.

   • User-friendly dashboard
   • Quick quotes
   • Paperless process

   • Fewer policy options

   View on Amazon manufacturer site

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