Why Compare Business Insurance Quotes?

Most small business owners overpay for insurance because they only get one quote. Comparing quotes from multiple carriers saves an average of 22–30% on annual premiums — that's $500–$2,000 back in your pocket every year.

The Problem with Single-Carrier Shopping

When you go directly to one carrier, you get one price — their price. You have no way to know if that's competitive. Carriers price the same business very differently depending on their appetite:

Carrier	GL Quote (Retail Store)	GL Quote (IT Consultant)	GL Quote (Restaurant)
Hartford	$47/mo	$39/mo	$89/mo
Hiscox	$52/mo	$22/mo	N/A
Next Insurance	$29/mo	$19/mo	$67/mo
Chubb	$78/mo	$65/mo	$120/mo

The cheapest carrier varies by industry, location, and business size. That's why comparing matters.

How Insura Makes It Easy

Tell us about your business — Industry, employees, revenue, location (60 seconds)
We match you with carriers — Our AI identifies which of 20+ carriers are the best fit
Compare quotes side by side — See pricing, coverage limits, and carrier ratings
Buy online or talk to an expert — Bind coverage instantly or get free guidance from a licensed agent

What You Can Compare

General Liability — from $27/mo
Business Owner's Policy (BOP) — from $47/mo (bundles GL + property)
Workers' Compensation — rates vary by state and payroll
Cyber Insurance — from $42/mo
Professional Liability (E&O) — from $33/mo
Commercial Auto — from $89/mo

Carriers in Our Network

We work with 20+ A-rated carriers, including:

The Hartford — A+ rated, best overall for small business
Chubb — A++ rated, premium coverage for established businesses
Hiscox — A rated, best for professionals and freelancers
Next Insurance — lowest pricing for startups and micro-businesses
Markel — specialty coverage for niche industries
Cowbell — purpose-built cyber insurance
Travelers — broad coverage for mid-size businesses

Who Saves the Most by Comparing?

New businesses — No prior policy to anchor pricing, so carriers compete aggressively
Businesses renewing policies — Your renewal quote is often 10–15% higher than a competitive market rate
Growing businesses — Adding employees, locations, or revenue changes your risk profile
Businesses in multiple states — Carrier pricing varies significantly by state

"I was paying $3,200/year with my previous carrier. Insura compared 8 carriers and I switched to Hartford for $1,980/year — same coverage limits." — Sarah K., Marketing Agency Owner

No Cost, No Obligation

Getting quotes through Insura is 100% free. We're a licensed brokerage — carriers pay us, not you. There's no obligation to buy, and your quotes are valid for 30 days.