Business Insurance.
Without the Markup.
Your operating budget has better uses than overpaying for insurance.
Commercial Coverage
General Liability
Protects your business against third-party claims of bodily injury, property damage, and advertising injury. This is the foundation of any commercial insurance program and is often required by landlords, clients, and contracts.
Business Owners Policy (BOP)
Bundles general liability with commercial property coverage into a single, cost-effective package. Most small businesses save 10-15% compared to buying these coverages separately. Covers your building, equipment, inventory, and liability in one policy.
Workers Compensation
Covers medical expenses, lost wages, and rehabilitation costs when employees are injured on the job. Required in most states if you have employees. Protects your business from potentially devastating workplace injury lawsuits.
Commercial Auto
Covers vehicles used for business purposes, including company-owned cars, trucks, and vans. Also covers hired and non-owned auto liability for employees who drive their personal vehicles for work errands.
Average Annual Premiums by Industry
These are typical ranges we see across our carrier panel. Your actual rate depends on revenue, payroll, claims history, and location.
Frequently Asked Questions
It varies widely. A small professional services firm might pay $1,200/year, while a restaurant could be $5,000+. Rachel quotes across 30+ carriers to find the most competitive rate for your specific operation.
If you have employees, almost certainly yes. It’s required in most states. Even where it’s optional, Rachel recommends it. The cost of a single workplace injury claim without coverage can bankrupt a small business.
A Business Owners Policy bundles general liability and commercial property into one package, usually at 10-15% less than buying them separately. It’s the most cost-effective option for most small businesses.
Yes, and it often saves money. Rachel looks for every available multi-policy discount across our carrier panel.
For most businesses, Rachel can have competitive quotes within 24-48 hours. Some simple operations get same-day quotes.
Ready to Stop Overpaying?
Get a free, no-obligation rate comparison from Rachel. In 15 minutes, you'll know exactly how much you could save by switching.
Get My Free Rate ComparisonWe compare rates from these top-rated carriers