Top rated liability insurance

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AI-generated summary · updated July 29, 2026 · verify details before purchase.

1. 1 Best overall

   Hiscox Business Liability Insurance

   ★★★★★4.7/5 $25-$70/month

   Excellent coverage for small to medium businesses with fast claims processing and customizable plans.

   • Customizable policies
   • Fast claims processing
   • Strong financial rating

   • Higher premiums for high-risk industries

   View on Amazon manufacturer site
2. 

   2 Best for digital-first businesses

   Next Insurance General Liability

   ★★★★☆4.5/5 $0.99

   User-friendly online platform with instant quotes and easy policy management.

   • Instant online quote
   • Easy claims through app
   • Affordable for low-risk industries

   • Limited coverage for high-risk businesses

   View on Amazon manufacturer site
3. 3 Best for freelancers and gig workers

   Thimble General Liability Insurance

   ★★★★☆4.4/5 $15-$50/month

   Flexible coverage by the hour, day, or month for short-term projects.

   • Flexible duration options
   • No long-term commitment
   • Easy cancellation

   • Not ideal for full-time businesses

   View on Amazon manufacturer site
4. 4 Best for comparing multiple insurers

   CoverWallet General Liability

   ★★★★☆4.3/5 $20-$80/month

   Compares quotes from top insurers to find the best rate for your business.

   • Multi-quote comparison
   • Dedicated account manager
   • User-friendly dashboard

   • Some policies have slower claims

   View on Amazon manufacturer site
5. 

   5 Best for established businesses Nabu Press

   The Hartford Business Liability

   ★★★★★4.6/5 $25.95

   Comprehensive coverage with strong customer service and risk management resources.

   • Extensive coverage options
   • Strong customer support
   • Decades of experience

   • Higher cost for small startups

   View on Amazon manufacturer site
6. 

   6 Best for high-net-worth businesses

   Chubb General Liability Insurance

   ★★★★☆4.2/5 $8.99

   Premium coverage with high limits and global protection for larger companies.

   • High coverage limits
   • Global protection
   • Excellent claims handling

   • Expensive for small businesses

   View on Amazon manufacturer site
7. 

   7 Best for local small businesses Gale, Making of Modern Law

   State Farm General Liability

   ★★★★☆4.1/5 $15.75

   Reliable coverage with local agents for personalized service and bundling options.

   • Local agent support
   • Bundling discounts
   • Trusted brand

   • Fewer online tools
   • Limited industry specializations

   View on Amazon manufacturer site

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