Best Small Business Insurance Providers in 2025

Find the perfect coverage for your business needs from companies committed to comprehensive insurance protection.

Julian, Author
Last updated: September, 2025
Editor's Choice
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We score our brand partner based on: Successful matches, brand engagement and coverage.
   

Best for:

  • All Industries
  • Contractors
  • Financial Services
  • Trusted by 200,000+ small businesses nationwide
  • Fast-track claims processing with personalized service
  • Simple 3-step process with instant coverage
  • Complete protection for nearly every industry
Get a Free Quote Get instant coverage & save 20%

BiBerk delivers small business insurance with direct pricing that can save customers up to 20% compared to other providers. Their approach focuses on simplicity – offering coverage through a streamlined online process without middlemen or insurance brokers.

With over 500,000 satisfied customers, biBerk serves businesses across numerous industries with workers’ compensation, professional liability, general liability, and business owners policies. Their A++ rating from A.M. Best Company reflects their financial strength, backed by Berkshire Hathaway’s 75+ years of insurance experience and $52.2 billion paid in claims in 2023.

biBerk specializes in making insurance accessible through a simple three-step process: answer a few questions, choose coverage, and get instant protection. For small business owners who value both savings and security from a trusted financial institution, biBerk provides straightforward coverage without administrative hassle.

 

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9.1
We score our brand partner based on: Successful matches, brand engagement and coverage.

Best for:

  • New & Growing Businesses
  • Contractors & Handyman
  • Retail & Food Businesses
  • 100% online with instant certificate of insurance
  • Tailored business insurance for a variety of companies
  • Get insurance in under 10 minutes
  • Choose a policy based on your profession
Get a Free Quote Bundle 2 or more policies and save up to 10%

Since 2016, NEXT Insurance has been reshaping how small businesses approach insurance. With a platform serving over 400,000 businesses across more than 1,000 industries, they’ve focused on blending technology with accessibility.

Their digital approach eliminates traditional paperwork—offering instant quotes, certificates, and policy management through their customer portal and mobile apps. Small business owners and self-employed professionals can access general liability, workers’ compensation, professional liability, and commercial property coverage in one streamlined experience.

NEXT works particularly well for smaller operations without complex insurance requirements. Their platform is designed to create policies specific to your business needs, while their digital tools make it simple to manage coverage wherever you are. For business owners who prefer handling insurance matters digitally rather than through traditional agencies, NEXT provides a straightforward alternative to conventional insurance experiences.

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8.7
We score our brand partner based on: Successful matches, brand engagement and coverage.
  • Agent-guided service model
  • Full-service approach to business policy management
  • Flexible coverage options for growing businesses
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Farmers Insurance delivers small business protection through personalized agent consultation backed by nearly 100 years of experience. Their approach focuses on customization – offering tailored coverage through a network of over 48,000 local agents who understand industry-specific risks. With 10 million households served, Farmers provides general liability, workers’ compensation, commercial property, and business owners policies. Their “A” financial strength rating from A.M. Best and S&P Global reflects strong claims-paying ability, supported by parent company Zurich Insurance Group’s global resources. For small business owners who value personalized service and comprehensive coverage from an established provider, Farmers offers industry-specific insurance solutions through direct agent partnerships.

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9
We score our brand partner based on: Successful matches, brand engagement and coverage.

Best for:

  • Local Businesses
  • Professional Services
  • Service Businesses
  • Trusted by 1.3MM+ Small Businesses
  • Rated #1 digital small business insurer by Keynova
  • Specialized industry expertise and risk management
  • Efficient claims experience with fast processing

With over 200 years of experience and serving more than 1.3 million small businesses, The Hartford combines trusted expertise with modern convenience. Their comprehensive coverage options are tailored to specific industry needs across hundreds of professions, backed by award-winning claims service that consistently earns 4.7/5 star ratings from their customers.

The Hartford stands out for their personalized approach and ethical business practices, having been recognized as a World’s Most Ethical Company 14 times. Their efficient claims processing, 24/7 online access to certificates, and customizable policies make them an ideal choice for established businesses seeking reliable protection from an insurer that understands their unique challenges and provides specialized expertise alongside exceptional customer service.

8.4
We score our brand partner based on: Successful matches, brand engagement and coverage.
  • Agent-only business insurance model
  • Focus on bundling with personal insurance
  • Better suited for businesses that prefer in-person service over speed
9.1
We score our brand partner based on: Successful matches, brand engagement and coverage.
  • Digital-first approach with agent support when needed
  • Streamlined online application and quote process
  • Traditional coverage options may lack specialized industry features

How we help you choose

Our recommendations are based on each insurance provider’s coverage options, financial strength, customer service, claims process, and digital experience. We prioritize factors that matter most to today’s small business owners: speed, convenience, and transparent pricing.

Our top-rated providers offer streamlined processes and modern solutions, while we also include traditional carriers for comparison. This transparent approach helps you make an informed decision based on your specific business needs.

View Top Provider Comparison ↓

Frequently Asked Questions

What features should I prioritize when comparing small business insurance?
Focus on these essential capabilities:
  1. General liability
  2. Property coverage
  3. Business interruption
  4. Cyber liability
  5. Professional liability
  6. Workers compensation
  7. Commercial auto
  8. Umbrella policy

How do I determine appropriate coverage levels without over-spending?
Work with providers offering clear risk assessments to identify your true business exposures and avoid under or over-insuring. Consider industry-specific risks, client contract requirements, and operational patterns while balancing premium affordability with comprehensive protection needs for your specific situation.

What is the difference between general and professional liability coverage?

General liability insurance covers physical injuries, property damage, and advertising injuries that occur during normal business operations. It typically covers medical expenses, legal defense costs, and settlements if your business is found liable.

Professional liability insurance (also called errors and omissions) protects against claims of mistakes, negligence, or failure to deliver promised services. This coverage is essential for service-based businesses like consultants, accountants, and healthcare providers. While general liability covers physical damages, professional liability covers financial losses due to your professional advice or services.

What is a Business owner's policy (BOP)? What it includes and who needs it:
A Business Owner’s Policy (BOP) bundles general liability and commercial property insurance at a lower cost than purchasing these policies separately. It typically includes:
  • General liability protection against third-party claims
  • Commercial property coverage for buildings, equipment, and inventory
  • Business interruption insurance to cover lost income during temporary closures

BOPs are ideal for small to medium-sized businesses with physical locations, especially retail stores, offices, small contractors, and food service businesses. However, certain high-risk businesses may not qualify, and you’ll likely need additional policies like workers’ compensation, professional liability, or cyber insurance alongside your BOP.

How do I save money on small business insurance premiums?
Reduce your small business insurance costs with these strategies:
  • Bundle policies: Purchase multiple policies from one provider for package discounts of 10-15%
  • Increase deductibles: Opt for higher deductibles to lower premium payments
  • Implement safety programs: Reduce risks with employee training and safety protocols
  • Pay annually: Many insurers offer discounts for paying the full annual premium upfront
  • Shop around: Compare quotes from multiple providers, including both traditional insurers and online-focused companies
  • Review coverage annually: Adjust policies as your business evolves to avoid paying for unnecessary coverage

Remember that while saving money is important, ensure you’re not compromising on essential coverage your business needs.

Need coverage soon? Get instant quotes online from top-ranked providers

Farmers Insurance offers small business coverage through 48,000+ local agents with nearly 100 years of experience. Their "A"-rated financial strength and personalized approach make them ideal for businesses seeking tailored liability, workers' comp, and property insurance through direct agent consultation.
Get a Free Quote
9
biBerk offers direct small business insurance backed by Berkshire Hathaway with competitive rates.
  • Save up to 20% with direct rates
  • Specialized small business expertise
  • A++ rated financial stability
Get instant coverage & save 20%
Get a Free Quote
9.1
NEXT provides customized small business insurance with instant coverage and 24/7 access to certificates.
  • Get a quote in under 10 minutes
  • Instant proof of insurance
  • Customize coverage to your needs
Bundle 2 or more policies and save up to 10%
Get a Free Quote