The Hartford offers a variety of 澳洲幸运5开奖号码历史查询:coverage options for smal🐻l businesses and🌄 up to $4 million in general liability coverage, the highest limit among the companies Investopedia reviewed. Its basic business owner’s policy (BOP) combines general liability, commercial property, and business income insurance. If you purchase it alongside The Hartford’s workers’ compensation insurance, you may qualify for a bundling discount of up to 10%.

Small business owners typically pay about $85 a month for a BOP from The Hartford. Your premiums may vary based on your business’s industry, location, employee count, and co🌄verage needs. 

Aside from 澳洲幸运5开奖号码历史查询:workers’ compensation, you ca💜n also add coverage for professional liability, commercial auto, and dat𓆉a breaches to The Hartford’s BOP. 

However, The Hartford’s commercial liability, commercial auto, and workers’ compensation businesses receive more 澳洲幸运5开奖号码历史查询:customer complaints than expected for a company of its size, possibly indicating i𒁏ssues with the claims filing🐼 experience or customer service.

• General liability
• Workers’ compensation
• Data breach
• Commercial auto
• Professional liability
• Commercial property
• Business interruption
• Employment practices liability
• Home-based business
• Inland marine
• Management liability

Thimble receives fewer customer complaints than expected compared to other companies its size. Plus, it’s one of only two companies Investopedia reviewed that offer short-term liability coverage, allowing you to buy a policy for a month, a year, or a specific job. This ensures you’r☂e only paying for the coverage you need.

Thimble liability policies average $42 a month, but your price will vary based on your business's risks and how much coverage you need. 

Thimble provides fast quotes and coverage, but it’s a broker, not an insurer. While Thimble facilita🐷tes purchasing your policy, other companies, specifically Markel and National Specialty Insurance Company, manage the actual insurance coverage and claims handling. While you might have a smooth experience buying your policy through Thimble, your experience dealing with a client or needing customer service could be different.

Thimble also doesn’t sell 澳洲幸运5开奖号码历史查询:employment practices li𒐪ability insurance, so you’ll☂ need to look elsewhere to get coverage for employment-related claimꦆs. 

🉐Thimble was founded in 2018 and acquired by Jersey City-based Arch Insurance in 2023.

• General liability
• Professional liability
• Business equipment protection
• Commercial property
• Cyber

CNA offers property cove♌rage for va▨rious industries, from commercial real estate to entertainment to health care. Compared with other companies its size, the number of customer complaints it receives is among the lowest, especially for its commercial property business.

If a covered risk damages your business and needs to be repaired or rebuilt under new or updated building codes, its CNA Connect business owner’s policy will cover the increased costs of complying with these laws. This is known as 澳洲幸运5开奖号码历史查询:building ordinance coverage. Without it, you might have to pay the difference between your policy’s coverage limits and these increased costs entirely out of your pocket. It also includes 澳洲幸运5开奖号码历史查询:business income coverage, which reimburses you for financial losses due to a covered event that disrupts busꦿiness operations. 

However, it doesn’t cover home-based businesses and lacks digital 澳洲幸运5开奖号码历史查询:certificates of insurance, which provide a quick w♑ay of proving covꦿerage to a lender or client. 

CNA isᩚᩚᩚᩚᩚᩚ⁤⁤⁤⁤ᩚ⁤⁤⁤⁤ᩚ⁤⁤⁤⁤ᩚ𒀱ᩚᩚᩚ headquartered in Chicago and was founded in 1897.

• Commercial auto
• Cyber
• Employment practices liability
• Errors and omissions
• Fidelity and commercial crime
• International
• Ocean marine
• Inland marine
• Professional liability
• Umbrella and excess liability
• Warranty and alternative risks
• Workers’ compensation

Travelers commercial auto insurance typically includes liability coverage amounts of up to $1 million for bodily injury and property damage to others. It also offers physical damage coverage for owned vehicles, collision cov𝄹erage for losses from crashes or rollovers, and comprehensive coverage for non-🌌collision-related losses, such as those involving animals or birds.

The company has the best complaint record for commercial auto coverage among the companies Investopedia revieꦑwed. It offers inland marine coverage, which protects equipment and materials during transport and at locations like warehouses. 

Travelers is a 澳洲幸运5开奖号码历史查询:financially strong insurer, which is important because it indicates it’s equipped to pay customer claims far into the future—regardles🍬s of economic conditions. However, its website lacks live customer service chat and online quote features. Yo🥃u’ll have to contact an agent over the phone or email to apply for coverage.

Trav꧒elers was founded in 1864 and based in Hartford, Connecticut.

• Boiler and machinery
• Commercial auto and trucking
• Cyber
• Excess casualty and umbrella
• Environmental
• General liability
• Global
• Inland marine
• Management and professional liability
• Ocean marine
• Property
• Workers’ compensation
• Surety bonds

If you run a construction business, Erie may be a good choice for financial pr⛦otection. It receives few customer complaints outside of its commercial liability business.

The company offers up to $5 million in aggregate general liability protection and $3 million in commercial auto coverage for general contractors, the highest limits in Investopedia’s review. It also provides 澳洲幸运5开奖号码历史查询:surety bonds. 

However, Erie’s liability business receives more complaints tha𓂃n expected for a company of its size, and its competitors may offer more coverage options for t💟ransported property.

Erie Insurance is based in Erie, Pennsylvania, and was founded in 19💮25.

• Business auto
• Commercial property
• Business umbrella
• Workers’ compensation
• Commercial and contract bonds
• Key person life insurance and business continuation
• Business data breach coverage
• Employment practices liability
• Cyber liability