1
NI
NEXT Insurance (ERGO)
Small business coverage you can buy online in minutes
- Get a quote and coverage online
- Instant certificates of insurance
- General liability, workers' comp, commercial auto and more
Updated October 2026 · coverage types · limits · premium
Compare the Best Small Business Insurance (2026)
Compare general liability, business owner's policies, professional liability and workers' compensation from carriers that insure your industry.
About 2 minto see your matches
Freeno cost or obligation
By ZIP codeproviders that serve you
Step 1
Free to use. Answering does not affect your credit score.
Providers
Featured small business insurance providers
2
TH
The Hartford
Long-standing small business insurer
- Business owner's policies bundling liability and property
- Workers' compensation
- Decades of small business experience
3
H
Hiscox
Coverage tailored to service professionals
- Professional liability (E&O) tailored by profession
- General liability and BOPs
- Online quotes
Our top picks, explained
Best for buying online
NI
NEXT Insurance (ERGO)
The quickest way for many small businesses and contractors to get covered and share a certificate.
Pros and cons
- Fast online purchase
- Built for small businesses and contractors
- Fewer options for larger or complex risks
Best for bundled policies
TH
The Hartford
A strong choice for businesses that want several coverages in one policy.
Pros and cons
- Comprehensive bundles
- Established insurer
- Some coverages require speaking with an agent
Best for freelancers and consultants
H
Hiscox
Well suited to consultants, freelancers and other service businesses that need E&O coverage.
Pros and cons
- Specialist in professional liability
- Good fit for small service firms
- Less focus on high-risk trades
Side-by-side comparison
NI | TH | H | |
|---|---|---|---|
| Trustpilot rating | – | – | |
| Buy through | Online | Online, agents | Online, phone |
| Coverages | GL, BOP, WC, E&O, auto | GL, BOP, WC, auto, E&O | E&O, GL, BOP, cyber |
| Certificates | Instant, online | Online | Online |
| Visit site | Visit site | Visit site |
Head to headNEXT Insurance (ERGO) vs The HartfordNEXT Insurance (ERGO) vs HiscoxThe Hartford vs Hiscox
Provider details were checked against public sources in October 2026; confirm current rates and terms with the provider. Listings may include providers that compensate The Top 10 Experts. Order and placement may be influenced by compensation. Advertiser disclosure.
Before you choose
What to compare
Use these points to compare any small business insurance provider, whether or not it appears on The Top 10 Experts.
GL
General liability
Covers third-party injury and property damage claims. Often required by landlords and clients.
BOP
Business owner's policy
Bundles general liability with commercial property at a lower price than buying both separately.
E&O
Professional liability
Covers claims that your advice or work caused a client financial loss.
WC
Workers' compensation
Required in most states once you have employees. Covers work-related injuries.
Common questions
What insurance does a small business need?
Most start with general liability. Add property, professional liability and workers' comp based on your work and staff.
Is workers' comp required?
Most states require it once you have employees. Rules differ by state and business type.
Can I buy coverage online?
Yes, many carriers quote and bind small business policies online in minutes.
Trademark and logo notice: Company names, logos and trademarks shown on this page are the property of their respective owners. They are used only to identify each company and its products. Their appearance does not mean that any company endorses, sponsors or is affiliated with The Top 10 Experts, or that The Top 10 Experts endorses it, unless we say so. Logos are displayed from each company's public website. Customer ratings are TrustScores published on Trustpilot as of October 2026, shown with their review counts, and appear only for companies rated 4.0 or higher with at least 25 reviews. They may have changed since, and The Top 10 Experts is not affiliated with Trustpilot. If you own one of these marks and would like it updated or removed, contact legal@thetop10experts.com.