Small business insurance estimate in just 3 steps
It’s fast, easy, and affordable – with general liability policies from top insurers starting at $20.75/month*
Insuring over 1 million small business owners worldwide.
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Handyperson From $41.67/month*
Housekeeping From $20.83/month*
Painting and wall covering From $41.67/month*
General contractorFrom $68.75/month*
Cleaning servicesFrom $20.83/month*
Electrician From $31.25/month*
Business consultantFrom $25.83/month*
E-commerce & online retailers From $21.58/month*
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Choose among affordable policies, many with savings up to 20% and monthly payment options**
Your one stop for small business coverage
General Liability
Coverage for third-party accidents, property damage, and bodily injury.
Workers’ Compensation
Coverage to help take care of employees who get sick or injured on the job. Many states require this for businesses with full or part-time employees.
Professional Liability
Coverage for damages and legal costs for mistakes or negligence claims. This policy is often recommended for businesses that provide advice and guidance to their clients.
Business Owners’ Policy
General liability, property insurance, and more all in one convenient package. A BOP policy typically lets you add different types of coverage to meet the needs of your specific business.
Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Frequently asked questions
We provide customized coverage options and quotes from top-rated small business insurers – all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Business insurance could financially protect your business from costly expenses due to property damage, accidents, lawsuits, and more.
Many clients require small business owners to have insurance policy before signing a contract, and some coverages — like workers’ compensation — are required in most states.
For example, imagine a customer slips and falls in your store. Without general liability insurance, you could be responsible for their medical bills and legal fees, and your savings could take a major hit.
The price of insurance is influenced by a number of factors, including:
- Your business type: The risks associated with your industry significantly impact premiums.
- Your business’s location: Where your business operates affects risk assessments, considering factors like crime rates and natural disasters.
- Business size: The scale of your operations (the number of employees and assets) plays a role in determining coverage needs and costs.
- Estimated revenue: Higher revenue can mean greater potential liabilities, influencing premium calculations.
We can give you a price estimate for your business in just 3 questions. To get a specific price, you can browse quotes from trusted insurers — and it only takes about 10 minutes. You can get started with our quote comparison tool here.
It depends. Each business has its own coverage needs based on industry, size, and a variety of factors. Here are some common policy types for small businesses:
- General liability: Covers claims for third-party bodily injury or property damage. Recommended for just about any type of business as a foundational coverage.
- Professional liability (or errors & omissions): Protects against claims of negligence or errors in professional services. An important coverage type for consultants, designers, accountants, and other professionals.
- Workers’ compensation: Covers medical expenses and lost wages for work-related injuries and illness for employees and business owners. Required in most states. .
- Tools and equipment protection (or inland marine): Coverage for your tools, equipment, and inventory. This is a great option for contractors, handypeople, and many other businesses.
- Business owner’s policy (BOP): A bundled policy that combines general liability, commercial property, and business interruption coverage, often at a lower cost than separate policies.
You can get tailored coverage recommendations for your small business in just 3 steps by getting a price estimate.
Simply Business makes getting covered easy. Here’s how it works:
- Tell us about your business (industry, size, location, and other details). We’ll curate policy recommendations based on your business’s needs.
- Compare quotes from trusted insurers and choose the option that works best for your business and budget.
- Make your selection and purchase your coverage.
Once you’ve secured your insurance, you can get proof of coverage, manage your policy online, and more.
Highly rated carriers. Handpicked for small businesses.
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
**Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from SB’s panel of insurance providers.