Business Insurance

Protection for accidents, injuries, damage and disasters that can threaten your small business

Choose your primary coverage to get started:

Featured On

Rated 4.7/5

(5056 reviews)

What is business insurance?

Business insurance is a term that may include different types of insurance that can provide protection from liabilities, property damage and other risks.

What can small business insurance cover?

Injuries to customers and employees
Property damage
Legal expenses after a covered accident
Lawsuits and related fees

How much does business insurance cost?

Starting at $19/month^†

Buy online in about 10 minutes, and cancel anytime.

Who needs business insurance most?

Almost every small business owner can benefit from having business insurance
Self-employed workers
Sole proprietors
Limited liability companies (LLCs)

The best business insurance companies can help protect your business

Cover unexpected costs

Provide financial help after some business accidents or mistakes.

Quickly resolve your claims

Offer protection for your business, property, liability and employees.

Set you up for success

Fulfill proof of insurance requirements from clients, partners and regulators.

How much does business insurance cost?

Business insurance online can cost as little as $19/month^† for some low-risk businesses.

Several factors influence your business insurance quote, including:

Your industry
Your business operations
The size of your business
Where you do business
Your business needs and how much coverage you choose
Policy limits

How to get small business insurance online

Start a free online quote

In about 10 minutes you’ll see the exact price you’ll pay for business insurance online.

Customize your coverage

Adjust your policy limits and deductibles to pick the right coverage at the right price.

Buy 100% online

Your coverage is effective immediately or next day. And your certificate of insurance can be shared at no extra cost.

Who needs commercial business insurance?

Restaurants and food service

Restaurant businesses could get help with financial losses after a fire, vandalism, HVAC breakdown, weather damage or a customer slip-and-fall. Liquor liability and workers’ comp may be required by state law.

Retail and e-commerce

Stores, shops and online business owners can benefit from protection over inventory, products, building damage and customer injuries. ERGO NEXT also offers some protection for product liability if you make products you sell.

Offices and professionals

Whether you’re a home office worker or you lead a team downtown, if you sell advice or knowledge, such as an insurance agent, consultant, tech worker, accountant or engineer, small business business insurance for professional mistakes could help protect you.

Construction trades and contractors

Contractors and other construction professionals are often required to have a business insurance policy for professional licenses or to bid on some jobs.

Cleaning and janitorial services

Commercial cleaners and house cleaners can get protection from financial losses if they get hurt or accidentally break or damage someone’s property on the job.

What types of business insurance do I need?

Just one kind of insurance for a business won’t protect you from everything. It’s best to combine several types of business insurance coverage to help cover more risk.

General Liability insurance

General liability insurance can help provide coverage for injuries to people who are not employees. It can also help cover damage that your business causes to property that doesn't belong to you.

Professional Liability insurance (E&O insurance)

Professional liability insurance, also known as errors and omissions insurance or E&O, can help protect your business from professional mistakes. It is common for professional services such as real estate agents, accountants, IT professionals and more.

Workers’ Compensation insurance

Most states require workers’ comp if you have employees. It can help cover medical expenses and lost wages after an employee’s workplace illness or injury.

Commercial Auto insurance

Commercial auto insurance is for small business owners who own or drive vehicles for work. It can help pay for damages if you or an employee are involved in an auto accident while driving for business.

Tools & Equipment

Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.

Commercial Property insurance

Commercial property insurance can help protect many of the physical items you need to do business. It can help pay replacement costs if your business property suffers damages by water, fire, wind or vandalism. It can also help cover lost business income after a covered event.

BOP insurance (Business Owner’s Policy)

BOP insurance combines the protections of general liability and property insurance into a single policy that’s often more cost-efficient. It can cover both liability and your business property, inventory and fixtures.

Cyber insurance

Cyber liability insurance, available as an add-on to general liability, can help small businesses assess and quickly respond to many technology-based problems, including wire fraud, social engineering, systems failure events, cyber attacks and data breaches.

Business insurance FAQ (frequently asked questions)

How do I make a business insurance claim?

You can file a claim anytime online or in the ERGO NEXT app.

You’ll be asked to share the details of what happened and to provide relevant photos and documentation. We strive to make claims decisions as quickly as possible so that you can get back to work.

Learn how to file a claim.

When will I get my policy and proof of insurance?

It takes about 10 minutes to get a quote, buy coverage and get access to policy documents and your certificate of insurance (COI).

You can access your documents and COI 24/7 online or in the ERGO NEXT app for iPhone or Android.

How much business insurance do I need?

The amount of business insurance best for your business depends on many variables, such as:

Your level of risk
The state where you work
The type of work you do
How many employees, subcontractors and customers you have
The value of your business property
Your building structure and stability

ERGO NEXT’s online quote tool will prompt you for answers to give you an exact quote for business insurance specific to your business.

Get customized insurance wherever you do business

Learn more about insurance options in the state where you work.

ERGO NEXT Insurance reviews

Took me 20 minutes

Very easy to use and took me 20 minutes to select and purchase my company's Certificate of Insurance for my business. it was all online and no one needed to call me. Some days I just don't have that kind of time and Next Insurance made this easy.

Wendy Murphy

Such an easy process

Everything was so easy. I went online and told them exactly what I needed and between my needs and their suggestions, we came up with an insurance plan to meet my budget and satisfy the requirements of my business and my customers. Getting a certificate and adding additional insureds literally took seconds - and I did this all late at night when most people are closed.

Chad Gibson

Genuine care for your clients

Your site is incredibly user-friendly and demonstrates genuine care for your clients. The seamless functionality truly reflects your dedication to creating a positive experience, empowering small businesses to navigate evolving projects with both flexibility and protection

Igor Shusterman