Among the companies Investopedia reviewed, Thimble is one of only two that offer short-term liabilit🌳y coverage, allowing you to buy a policy that lasts a month, year, or aligns with the start and end date of a particular job. This helps ensure that you’re only paying for coverage when you need it. 

Thimble sells policies for $42 a month on average, but your price will depend on your business risk and cove﷽rage needs.

Thimble’s liability insurance business receives fewer complaints from customers compared with other companies its size. However, while Thimble promises fast quotes and coverage in minutes, it’s an 澳洲幸运5开奖号码历史查询:insurance broker, not an insurer. Claims and customer service interactions go through Markel Insurance Company or National Specialty Insurance Company (the companies who back the policies), which means your expe𓃲rience may differ🐬 from when you initially bought the policy.

Thimble doesn’t sell 澳洲幸运5开奖号码历史查询:employmen📖t practices liability insurance. If you have employees or subcontractors, you’ll need to find separate coverage for e🌌mployment-related claims.

Thimble was founded in 2018 and acquired by Jerse🦋y City-based Arch Insurance in 2023.

The Hartford’s offers BOP—a combination of com🌄mercial property and liability𒁏 insurance—and standalone general liability insurance with coverage limits of up to $4 million for independent contractors, providing significant financial protection against potential lawsuits. 

The Hartford may offer a 10% bundling discount if you purchase a BOP alongside 澳洲幸运5开奖号码历史查询:workers’ compensation insurance, allowing you to streamline your coverage needs for less. You can also add optional coverage, or 澳洲幸运5开奖号码历史查询:endorsements, to youꦰr policy to protect against data breaches, professional liability, and commercial auto.

However, The Hartford’s liability business sees a higher-than-expected complaint rate for a company of its size, indicating potential issues with customer service. It also has a below-average customer satisfaction score from J.D. Power’s 2024 U.S. Small Commercial Insurance Study. 

The Hartford was founded in 1810﷽ and is based in Hartford, Connecticut꧑.

Huckleberry has a low complaint rate when it comes to its general li𝓀ability coverage, suggesting that business owners receive good customer service. Huckleberry promises speedy coverage—in five minutes for most customers—all secured online. However, it doesn’t offer digital claims service. To file a claimꦍ, you need to call or contact the carrier directly.

Business owners can buy general liability insurance through Huckleberry as a standalone policy or as part꧒ of a business owner’s package policy. It offers a variety of other coverages as well, helping customers and businesses get the protection they need.

Huckleberry is a broker, not an insurer. When you buy your policy, it will come from another company. Huckleberry’s liability insurance comes from Markel, which also receives relatively few complaints. 

Huckleberry is owned by Paychex, which was founded in 1971 and based in Rochester, New Yorꩵk.

Travelers is a financially strong company that should be able to handle even the priciest claims. You can buy general liability coverage as part of a business owner’s policy or as a standalone option. The Travelers BOP is built to protect small businesses in a range of industries, inclu⛎ding financial services, health care, and retail. 

Travelers’ liability insurance business sees a low number of complaints, indi🎃cating a smooth customer experience. But it does not offer online quotes, so you’ll need to contact an agent in person or over the phone to get coverage🐻.

Travelers was founded in 1864 anඣd is based in Hartford, Connecticut.

NEXT Insurance shines when it comes to online accessibility. It offers features like live chat, digital insurance certificates, and online claims filing, making it easy to manage your policy and get assistance. NEXT sets a goal of responding to claims within one business day and sayℱs it resolves claims in a median 15 days.

However, the liability limits on its business owner’s policy ($2 million) are lower compared with other insu♓rers Investopedia reviewed (as high as $6 million), which may leave your business with less protection against significant claims. Customers complain about its liabi♛lity business at a higher rate than expected, suggesting potential issues with customer satisfaction.

NEXT is ♉bas꧅ed in Palo Alto, California, and was founded in 2016.