Insura
5.0 ★ Google
from 20+ reviews
87%
Pay Less than Their Prior Premium
A+ Rated
Insurance Carriers
50 States
Licensed Nationwide
Chubb
Hiscox
Hartford
Cowbell
Coalition
CFC
Bowhead
Chubb
Hiscox
Hartford
Cowbell
Coalition
CFC
Bowhead

Commercial Insurance — Compare Business Coverage Options

Protect your business with comprehensive commercial insurance. Compare policies from 20+ A-rated carriers.

Reviewed by John Abbott, licensed P&C insurance producer (MO license #3003876211)

Complete Business Protection

From general liability to cyber to commercial auto — build a comprehensive insurance program tailored to your risks.

A-Rated Carriers Only

Every carrier in our network holds an AM Best rating of A- or higher, ensuring they can pay claims when it matters.

Bundle & Save

Combine multiple commercial policies for multi-policy discounts of 10–20% compared to buying each coverage separately.

Expert Risk Assessment

Licensed agents analyze your specific risks and recommend the right coverages — no gaps, no unnecessary costs.

Google Reviews5.0 ★★★★★Average Customer Rating
MA

“They made insurance weirdly painless. Lightning-fast, clear explanations, and pricing that gave me real confidence I wasn't overpaying.”

Mike Altier ★★★★★

Protected by reCAPTCHA and subject to the Google Privacy Policy and Terms of Service.

What Is Commercial Insurance?

Commercial insurance is any insurance policy designed to protect a business (as opposed to personal insurance for individuals). It covers a wide range of risks including property damage, liability claims, employee injuries, vehicle accidents, and professional errors.

The term commercial insurance is often used interchangeably with business insurance, though commercial insurance can also refer to larger or more complex policies for mid-market and enterprise companies.

Types of Commercial Insurance

Policy Type What It Covers Best For
Commercial General Liability (CGL) Third-party injuries, property damage, advertising injury Every business
Commercial Property Buildings, equipment, inventory, business income Businesses with physical assets
Commercial Auto Business vehicles, hired/non-owned auto Companies with vehicles or driving employees
Commercial Umbrella Excess liability above underlying policy limits Businesses needing higher limits
Workers' Compensation Employee work-related injuries and illnesses Any business with employees
Professional Liability (E&O) Errors, omissions, negligence in services Service-based businesses
Cyber Liability Data breaches, ransomware, privacy violations Any business handling data
Directors & Officers (D&O) Management liability, shareholder claims Companies with boards or investors

How Much Does Commercial Insurance Cost?

Commercial insurance costs depend on your coverage needs:

  • General liability only: $30–$75/mo
  • Business Owner's Policy (BOP): $50–$200/mo
  • Commercial auto: $100–$300/mo per vehicle
  • Workers' compensation: Varies by state and payroll
  • Umbrella/excess: $30–$100/mo per $1M of coverage

Bundling multiple policies with one carrier often qualifies you for multi-policy discounts of 10–20%.

Why Compare Commercial Insurance Quotes?

Rates for identical commercial coverage can vary 40% or more between carriers. A general liability policy that costs $1,200/year from one carrier might be $700/year from another — for the exact same coverage limits and terms.

At Insura, we compare quotes from 5+ A-rated carriers simultaneously, so you can see the full range of options and make an informed decision.

Frequently Asked Questions

Commercial insurance is any insurance designed to protect a business from financial losses. It includes general liability, property, auto, workers' comp, professional liability, cyber, umbrella, and specialty coverages. Most businesses need multiple commercial policies working together.
At minimum, most businesses need commercial general liability (CGL). If you have a physical location, add commercial property. If you have employees, add workers' comp. If you have vehicles, add commercial auto. Professional services firms need E&O, and any business handling data should consider cyber liability.
Commercial insurance costs vary by coverage type, industry, and business size. A basic general liability policy starts at $30/mo. A comprehensive package including GL, property, workers' comp, and cyber typically costs $200–$500/mo for a small business.
Commercial insurance covers business activities, assets, and liabilities. Personal insurance (home, auto, health) covers individuals and their personal property. Personal policies typically exclude business activities, which is why separate commercial coverage is necessary.
Yes. A Business Owner's Policy (BOP) bundles general liability with commercial property and business income coverage. Many carriers also offer multi-policy discounts when you add workers' comp, auto, or umbrella coverage.
CGL is the most common commercial insurance policy. It covers third-party bodily injury, property damage, personal injury (libel, slander), and advertising injury claims. Standard limits are $1M per occurrence and $2M aggregate.