See the actual rates carriers filed — before you buy.
The only marketplace that shows the real rates carriers filed with state regulators. Compare business insurance for U.S. businesses.
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Coverage for every kind of business
Tap any industry for coverage details, premium ranges, and key exclusions explained by our editorial team and reviewed for accuracy.
Restaurants & food service
GL · BOP · Workers comp · Liquor liability
Read guide →Trucking & transport
Auto · Cargo · Bobtail · NTL
Read guide →Landscaping & outdoor
GL · Equipment · Commercial auto
Read guide →Plumbers & trades
Trade · GL · Workers comp · Tools
Read guide →Electricians & trades
GL · Pro liability · Tools · Workers comp
Read guide →Cleaning & services
GL · BOP · Janitorial bond · Auto
Read guide →Contractors & field crews
GL · Workers comp · Builders risk
Read guide →+ 48 more verticals
Every business in between.
See all coverage →How quote comparison works
Three steps. No paperwork. No phone tag. Most quote requests complete in under 5 minutes.
Enter your ZIP
Takes about 5 seconds. We use ZIP to identify carriers licensed in your state and your local market loss patterns.
Describe your business
A few questions about industry, payroll, vehicles, and coverage you need. Average completion time: 3-4 minutes.
Compare carrier offers
Side-by-side quotes from carriers in your state. Pick what works for your budget and coverage needs. No obligation.
We show the rates carriers actually filed with state regulators.
No competitor publishes this. Every number we cite traces back to a SERFF tracking number you can look up on the state DOI portal yourself.
What our customers say
Representative feedback from policyholders across multiple states
"Got three real quotes back within an hour. Picked the cheapest with the same coverage as our prior carrier. Saved roughly $1,400/year on general liability."
"The agent flagged a gap in our previous policy we didn't even know about. Switched carriers and got better coverage for less."
"Honest comparison. No upsell. They gave me the cheaper option even though it meant smaller commission for them."
Testimonials shown are representative of feedback received and reviewed by the editorial team. Individual results vary by carrier, location, and risk profile.
Ready to compare your options?
Free, no obligation. CA-licensed agent review on every guide.
Built by people who understand insurance
Coverage advice is regulated, and we treat it that way. Every guide on this site is edited by Justin Marks (Founder) and reviewed for regulatory accuracy by Jason Wootton — a CA-licensed P&C agent (#0I94454). Non-licensed contributors stay in their lanes: marketplace data, customer experience, technology.
All 8 core coverages, explained without jargon
Every coverage we quote has a pillar guide reviewed by Jason Wootton (CA-licensed P&C #0I94454).
General Liability
Third-party bodily injury + property damage + personal/advertising injury. The foundation policy every business needs.
Read guide → GuideBusiness Owners Policy (BOP)
GL + Commercial Property + Business Income, bundled. The 10-20% discount package most small businesses start with.
Read guide → GuideWorkers Compensation
Required in 49 states. Premium math, NCCI class codes, X-mod, and rate filings live in our tracker.
Read guide → GuideCommercial Auto
ISO 9-symbol coverage, MCS-90 for trucking, on-hook, garage keepers. Personal auto excludes commercial use.
Read guide → GuideProfessional Liability (E&O)
Mistakes, bad advice, missed deadlines — claims that GL excludes. Claims-Made form. Tail coverage matters.
Read guide → GuideCyber Liability
Data breach, ransomware, business interruption from cyber events. First-party + third-party coverage; MFA + EDR discounts.
Read guide → GuideCommercial Property
Building + contents + business income. ISO loss-cost-driven; Replacement Cost vs ACV is the biggest decision.
Read guide → GuideCommercial Umbrella
Excess liability sitting on top of GL + Auto + Employers Liability. The firewall between a $1M primary and a $4M judgment.
Read guide →Recently published from our editorial team
Edited by Justin Marks · reviewed by Jason Wootton (CA P&C #0I94454)
Commercial truck insurance — complete coverage guide
What box-truck and semi operators need: GL, commercial auto, cargo, bobtail, non-trucking liability. Premium drivers, classification codes, and how to get bound the same week you apply.
Read guide → Updated 2026-05-30Food truck insurance — what mobile operators actually need
Commissary, parked-location, event coverage, and the GL exposures unique to mobile food. Premium ranges by state and city event-vendor requirements.
Read guide → Updated 2026-05-30Restaurant insurance — BOP, liquor liability, and the rest
Why most restaurants need a BOP not just GL. Liquor liability triggers, EPLI exposure, workers comp classification for tipped employees.
Read guide →Frequently asked questions
Answers reviewed by our licensed P&C agent. Sourced where applicable.
How much does business insurance cost?
Costs vary by industry, location, payroll, claims history, and coverage limits. The Insurance Information Institute estimates general liability for small businesses commonly ranges from $400 to $1,500 per year. Workers compensation premiums depend on your state and payroll. Sources: III 2026 small business insurance survey; NCCI state premium data 2026
Which types of business insurance do I need?
Most U.S. businesses carry general liability at minimum. Workers compensation is required in 49 states once you have employees — Texas is the only opt-in state per the National Council on Compensation Insurance. Commercial auto applies to business-use vehicles. Add-on coverages depend on your industry. Source: NCCI 2026 state opt-out report
How long does it take to get a quote?
Most quote requests are processed within minutes. Carrier underwriting decisions typically follow within hours, depending on industry complexity and how much information you provide.
Are quotes from Get Business Coverage free?
Yes. Quote comparison is free and carries no obligation. We operate as a lead marketplace: carriers pay us when you bind a policy with them, and your premium is the same regardless of how you found the carrier.
Is Get Business Coverage licensed?
Get Business Coverage operates as a lead marketplace. Coverage is bound by licensed carriers in your state. Our editorial team includes Jason Wootton, a CA-licensed P&C agent (#0I94454, verify), who reviews all coverage content for regulatory accuracy. Get Business Coverage itself is not a licensed insurance broker in all 50 states.