Small Business Insurance | Business Insurance Coverage

Looking for coverage? We invite you to get our most competitive small business insurance quotes for your business. Complete one short form below and we'll shop multiple carriers on your behalf and email you the best offers. Plus, as a value added service, our in-house licensed attorney can review your exposures and consult you on insurance absolutely free of charge.
Keywords to describe your business*
Select or enter words that describe the primary service you offer or type of product you sell. Not seeing anything that matches your business? Try typing in different words, select "Other" or contact us for assistance.
Do you offer additional services?*
- Yes
- No
Answer "yes" if you offer services not included in your business description. Examples of businesses that offer additional services: a lawn maintenance firm that plows snow in the winter; a lawyer that sells real estate on the side; or a real estate agent that also manages properties.
Additional Services*
Number of employees*
Include everyone on your payroll. Don't forget to include the owner, officers, partners, members, employees who work from home and anyone on the payroll.

What types of insurance are you looking for?
Property
- Property
Helps protect the place where you do business - whether you own it, lease it, or work out of your home. Also covers personal property (such as tools and equipment) used in your business. Much like the property coverage you have for your home, business property insurance helps protect the place where you do business and its contents. Did you know? Most homeowner policies don’t cover damage or accidents related to business done from your home.
General Liability
- General Liability
Helps protect your business from claims or lawsuits involving your products or business operations. Imagine the impact to your business if a customer is injured at your workplace or an employee causes damage to a customer’s property. General liability can cover all that plus claims of false advertising and libel. Did you know? General liability insurance does not cover lawsuits relating to your professional services.
Professional Liability
- Professional Liability
Professional liability coverage can help reduce the risk to your business if you are sued for a professional error.
Workers' Compensation
- Workers' Compensation
Provides benefits to your employees for work-related injuries or illnesses including medical care, wages from lost work time and more. If the worker's family decides to sue you, coverage can help you with related legal fees. Why do you need workers' compensation coverage? First, most states -- and many of your customers -- require it. Plus, it’s the right thing to do for your employees. For a one-person operation, work-related injuries may not be covered by your health insurance.
When would you like your coverage to start?*
If you currently have business insurance, when does your current policy end? (optional)

Details about your operations
Does your business lease any of your employees to other companies or businesses on a permanent or temporary basis?*
- Yes
- No
Does your business lease any employees from a PEO (Professional Employment Organization)?*
- Yes
- No

Business Location
Registered Business Name*
Your registered business name is the one that you use for legal or tax purposes. Example: Joe's Italian Pizza, LLP (registered business name) vs. Joe's Pizza (name the company does business as everyday).
DBA if applicable
What is the name that you do business as every day? This could be the name over your door, on your website, or printed on your business cards.
Business Address*
Enter your primary business address -- the place where you do most of your work -- even if it is your home. This will help us calculate an accurate cost.

Street Address Address Line 2 City State Zip Code
Mailing Address*
Same as previous

Street Address Address Line 2 City State ZIP Code
Contact Information
Name*
First Last
Phone*
What's the best number to reach you at if we have questions regarding your quote?
Email
We respect your privacy and won't share your email address with anyone else.
Enter Email Confirm Email

Your Business
Legal Entity*
Year Business Established*
(YYYY)
Website Address (optional)
Tell us about what your business does — the product you manufacture, the goods you sell and/or the services you provide.*
Where do you work?*
Do you own or rent your business location?*
- Rent
- Own
Estimated Annual Sales or Gross Revenue*
This is the amount of pre-tax income you estimate your business will generate from the sales of products or services you provide for the 12-month period this policy would be in effect.
Gross Revenue for the Last Fiscal Year*
This is the amount of pre-tax income your business generated from the sales of products or services you provided for the prior fiscal year.
Estimated Annual Gross Payroll for the Next 12 months*
This is the amount of pre-tax payroll your business pays to employees (excluding owners)
What percent of your sales do you estimate will come from the internet?*
Estimate for the 12-month period this policy would be in effect.

Property Coverage
Number of Property Losses in past 3 years*
A property loss could include damage to your place of business or the things inside it like furniture, equipment, tools or fixtures. It could also involve theft of business property. A loss is a single incidence of damage or theft—such as a storm, fire or robbery. It is NOT the number of items damaged or stolen.
Business Personal Property Limit*
This is the total replacement value of your business contents. If you turned your building upside down and shook it, everything that falls out is what you'll want to include in this total.
Personal Property of Others Limit (Optional)
Include any items housed or stored at your business location that belong to your customers. Examples could include shoes or computers left in a shop for repairs. If the value of these items changes over time, enter the maximum value of customer property you have on hand at any given time.
Tenants Improvements and Betterments Limit (Optional)
Include the total value of any changes or improvements you made to your leased property in order to do business there. This could include any brand-related enhancements, equipment or permanent fixtures installed to run your business. Provide the replacement (not original) costs of any enhancements you made in the past or plan to make while your policy is in effect.
General Liability Coverage
Number of Liability losses in past 3 years*
A general liability loss could include damage to property you're responsible for, and accidents or injuries that occur while conducting business. If you are interested in professional liability or hired and non-owned auto coverage, then include those losses in your total.
Business Liability Limit (Each Occurrence / Aggregate)*
A general liability loss can include damage caused by you and/or your employees while doing business. It can also include accidents or injuries that happen at your workplace. Select the amount of coverage you would like for each individual claim along with a total for all the claims in a given policy term. Should you require other limits - use comments field at the end of the application.
Do you offer a benefits plan to your employees?*
- Yes
- No
Employee benefits plans include health insurance, 401Ks, and any other benefits you offer employees.
Professional Liability Coverage
Average Years of Professional Experience for Principals*
This is the number of years of experience, on average, the principals in your company have in their field. For example, in a legal firm, if 5 principals have 20 years of combined experience working in law, the answer would be 4 years. A principal is typically the owner(s) of the business.

Building Information
Year Built (YYYY)*
Is your building constructed with wood framed exterior walls?*
- Yes
- No
The 'framing' of a wall is the structure that is required for support. Sometimes called 'studs' or '2x4's.Typically residential buildings are constructed with wood framed walls.
Number of Floors*
Does your building have an indoor sprinkler system?*
- Yes
- No
Approximate square footage that your business occupies (Sq.Ft.)*
You can measure to get this, or if you are a leasee, you can check your lease documentation.

Workers' Compensation insurance
How long have you had Workers' Compensation insurance?*
Is the business non-profit?*
- Yes
- No
How many employees do you have*
Do you want to cover your company owners by this Workers Comp. insurance?*
- Yes
- No

Comments Section
Comments (optional)
Provide any additional comments, such as other limits needed, or additional coverage you're looking for.

Application for Small Business Insurance Coverage

What types of insurance are you looking for?

Details about your operations

Business Location

Contact Information

Your Business

Property Coverage

General Liability Coverage

Professional Liability Coverage

Workers' Compensation insurance

Comments Section