Some insurers offer all-in-one policies that combine liability, property and workers’ compensation coverage. Others provide add-on enhancements like data breach coverage, liquor liability insurance or contractor equipment coverage as additional services.
Next offers comprehensive yet cost-effective business insurance through an easy online application that takes only 10 minutes to complete. Their digitally friendly process also offers the option to increase general liability limits as needed with their optional umbrella policy.
The Hartford
The Hartford provides small businesses with insurance policies to cover various needs, such as general liability and property coverage, workers’ compensation coverage and commercial auto coverage. As one of the oldest insurance providers in America, The Hartford has long demonstrated financial strength.
Customers can purchase and manage all their The Hartford policies using one digital platform, making the company accessible to both AARP members and non-members through independent insurance agents. Members also enjoy special benefits, including credit card offers and financial planning services.
The Hartford offers an extensive range of insurance products and services for renters and condo owners, as well as renter’s and condo owner’s policies. Their home insurance offers various features like “New for Old,” which helps offset depreciation by replacing your personal belongings with brand-new items after a covered loss. Furthermore, umbrella insurance provides up to $1 Million in damages coverage in case of large claims.
The Hartford has earned itself an excellent customer satisfaction rating. In some regions of the 2024 J.D. Power U.S. Auto Insurance Study, The Hartford scored above the national average and received high marks from Bankrate’s review team for their car insurance offerings. Therefore, this company may be an attractive option for drivers seeking reliable service while being willing to pay slightly higher premiums.
Chubb
No matter if you own or are starting a small business, protecting it with appropriate business insurance coverage is vitally important. A robust plan will protect against employee injuries, property damage and lawsuits while meeting specific coverage needs. Compare top-rated carriers online to find quotes tailored specifically to you and secure coverage that meets them all. Cost can depend on several factors including employees count and location as well as type of operation (consultants/accountant may require professional liability policies etc).
Chubb is one of the world’s largest publicly traded property and casualty insurers, operating in over 50 countries and territories worldwide. Offering commercial and personal property and casualty insurance as well as personal accident/supplemental health/life/reinsurance to an array of clients worldwide.
Customers of Caldecot Insurance range from multinational corporations and individuals, as well as local businesses and associations, to multinational corporations. Caldecott provides insurance products and services, claims handling capabilities, risk engineering services and loss control expertise that enable clients to effectively manage exposures and prevent costly losses. Alongside property and casualty offerings, this firm also serves companies and affinity groups who offer accident/health/life/car coverage; other insurers seeking reinsurance coverage; as well as reinsurers. Founded by Thomas Caldecot and his son in New York City in 1882 when Thomas Caldecott opened his marine underwriting business offering ship/cargo insurance policies.
NEXT Insurance
NEXT Insurance’s user-friendly online application enables business owners to quickly secure coverage that will protect them from the costly liabilities associated with projects or client contracts, without incurring extra costs for COIs or certificates of insurance (COIs). Plus, its integration into platforms used by small businesses like Quickbooks and Gusto makes the experience seamless for owners of small enterprises.
It’s important to keep in mind that NEXT may not offer the least expensive business insurance on the market, but they do an effective job of simplifying policies and selling them directly to customers. They have an outstanding customer service reputation and their prices compare favorably with other business insurance providers. Their policies cover basic needs of small businesses including general liability, professional liability and workers’ compensation coverage.
NEXT’s website makes buying business insurance simple online without needing to talk with a representative, taking only five minutes or so from start to finish. Once all questions have been answered, purchasing your policy can start immediately.
NEXT Insurance also provides industry-specific packages tailored for fitness professionals, contractors, Amazon sellers, and other small businesses. With flexible rates and quick coverage available to entrepreneurs, its flexible rates can help overcome excuses for not securing insurance such as finding it too complicated, costly or time consuming – you could even save up to 10% when bundling two or more policies together with NEXT!
Liberty Mutual
Liberty Mutual is one of the leading business insurers, providing auto, home, life and professional liability policies to small businesses. They also offer add-ons like teen driving protection and tuition costs coverage as well as comprehensive business owner policies (BOPs) with coverage for over 100 professions that includes business interruption coverage that pays lost income from covered losses.
Liberty Mutual stands out in our review of small-business insurance providers as a well-established carrier with an excellent reputation. Offering competitive rates and reliable coverage at reasonable premiums, its customer service department responds quickly when needed and the online portal and mobile app make managing policies, paying bills, viewing ID cards and reporting or tracking claims effortless. Unfortunately, Liberty Mutual received more auto policyholder complaints to state regulators relative to its size during three years analyzed by The Zebra.
Car insurance options from this provider range from standard policies like accident forgiveness and new car replacement, credit monitoring and rental reimbursement without daily limits, online auto management tools allowing customers to manage policies from both desktops and mobile devices, plus their Platinum Choice plan featuring features such as roadside assistance, new car replacement and original parts replacement as add-ons.
