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Small business insurance
Big protection, sized for a small business
Right-sized commercial cover for sole proprietors, freelancers, LLCs and startups — liability, property and more, without enterprise cost or complexity. Compare small-business quotes and get your certificate fast.
- Coverage built for small budgets
- Instant certificates to win contracts
- Compare quotes with no obligation
- Quotes in minutes
- Instant certificates
- Free to compare
What's covered
What small business insurance covers
The essentials most small operators need, bundled and priced for lean budgets. Here's what a typical small-business policy can include.
General liability
Covers third-party claims for bodily injury, property damage and advertising harm — the cover most clients ask to see.
Business Owner's Policy (BOP)
Bundles general liability and commercial property into one convenient policy, often at a lower combined price for small firms.
Professional liability (E&O)
Protects consultants and service providers against claims of mistakes, missed deadlines or advice that caused a client loss.
Workers' compensation
Helps pay medical bills and lost wages if an employee is hurt on the job — typically required once you hire staff.
Commercial property
Covers your shop, tools, inventory and equipment against fire, theft and many other covered events, at home or on-site.
Commercial auto
Insures vehicles used for work — deliveries, service calls or hauling gear — that a personal auto policy may exclude.
Why AltFTool
Why small businesses compare here
Built for small budgets
Cover scaled to a solo operator or small team, so you pay for what you actually need — not enterprise extras.
Fast quotes, instant certificates
Get quotes online in minutes and download a certificate of insurance to share with clients, often on the spot.
Meet client requirements
Landlords, platforms and contracts often demand proof of cover — the right policy helps you qualify and win the work.
Bundle a BOP to save
Combining liability and property in a Business Owner's Policy can lower your total cost versus buying each separately.
How it works
Covered in four simple steps
Tell us about your business
Share your trade, rough revenue and team size — a couple of minutes is usually all it takes.
Compare small-business quotes
Review right-sized quotes side by side, with the coverages and limits laid out in plain English.
Choose your coverage
Pick the policy, limits and options that match how you work and what your contracts require.
Get insured and covered
Finalise with the insurer, then download your policy and certificate of insurance — often the same day.
Good to know
What affects your small business premium
Every quote is personalised. These are the details insurers weigh most when pricing a small-business policy.
- Industry & risk
- A desk-based consultant is usually priced very differently from a contractor or food business, since the day-to-day risk isn't the same.
- Revenue & employees
- Higher sales and a bigger payroll generally raise premiums, since there's more activity and more people to cover.
- Coverage & limits
- The mix of policies you choose and how high you set your limits and deductibles both move the price up or down.
- Location
- Your state and even your neighbourhood affect rates through local rules, crime, weather and regional claim trends.
- Claims history
- A clean record often earns lower rates, while past claims may signal more risk and nudge premiums higher.
Small Business Insurance, made simple
Compare real quotes from trusted providers in one place and choose the coverage that fits — no pressure, no jargon, no obligation.
Questions
Small Business Insurance FAQs
It depends on what you do, but general liability is the common starting point. Many small firms add a Business Owner's Policy, professional liability, or workers' compensation as they grow.
A BOP bundles general liability and commercial property into a single policy. For many small businesses it's a simple, cost-effective way to buy two core coverages together.
Often, yes. Clients and platforms frequently require proof of liability cover before they'll hire you, and a claim can hit personal finances hard without a policy in place.
Usually once you have employees. Most states require workers' comp when you hire staff, though the exact rules and thresholds vary, so check your state's requirements.
It varies with your industry, revenue, team size and coverage, but many small policies are affordable on a monthly basis. Comparing quotes is the best way to see your real price.
Often instantly. Once your policy is active you can typically download a certificate online and share it with a client or landlord right away.
Get your small business insurance quote
Compare right-sized quotes for your trade in minutes, then download the certificate your clients need — free to compare, with no obligation.
AltFTool is not an insurance company or agency and does not sell insurance. Quotes, coverage, eligibility and pricing are set by the insurer and vary by state, industry and circumstances. Coverage examples are general; read each policy for exact terms.