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 (under 2 minutes)
- 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 5+ 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.
