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If you’re looking to get a business insurance quote online, you have two options:
Visit an online insurance marketplace to get a bunch of quotes at once.
Visit individual insurer websites and get quotes one by one.
Either should be able to get you a business insurance quote in a few minutes. But the best choice for you will likely depend on your business needs and where you are in the shopping process.
Here's what to know about buying business insurance online.
How to get a business insurance quote online
Getting a business insurance quote online is generally faster and easier than applying with an insurance broker in person or over the phone. Although the process varies depending on the insurer, here are the steps you’ll typically need to take.
1. Decide where to get a quote
Insurance marketplaces such as Insureon work with insurers to provide you multiple quotes at once. You’re limited to the companies that partner with the marketplace, but if you’ve just started shopping for business insurance and want to compare options, marketplaces can save you the hassle of contacting individual providers. In general, you provide some basic information about your business and the coverage you're looking for, and the marketplace generates multiple quotes from the partners.
If you have simple insurance needs or you already have certain insurance carriers in mind, you might want to get a quote directly from those providers. It takes more time to contact different insurance companies, discuss your business needs with each one and input data over and over again to get quotes, though. But if you already know you want to work with a specific company or know you need one specific policy, it may be easier to contact them directly.
2. Provide the necessary information
To get a business insurance quote online, you will likely need to:
Provide basic information about your business, yourself and any additional business owners.
Include personal identification, such as a driver’s license, tax ID number or Social Security number.
Provide essential details about your business, such as financial information, head count and industry.
3. Figure out your next steps
Once you get the quote, some providers may let you pay then and there and complete the process entirely online. Other online quote processes may not offer that; you'll need to follow their more analog process if you like what you see. NerdWallet recommends comparing multiple quotes before choosing a policy.
Top places to get business insurance online
If you want to get business insurance online, you’ll be out of luck with some big-name insurers. For example, State Farm and Liberty Mutual require you to contact an agent for a quote. But here are some companies to consider for comparing business insurance options online.
Progressive is the largest seller of commercial auto insurance in the United States, which makes it a must-look when shopping for business auto insurance. The company has online quizzes and FAQs to help you determine your risk and figure out what types of insurance you might need.
However, Progressive is an intermediary for other business insurance coverage, such as general liability. Progressive will match you with its underwriting partners for those other types of coverage — similar to an insurance marketplace. But you may be better off going directly to a specific insurance provider if you’re not going to bundle your business insurance with a Progressive car insurance policy.
Beyond core business insurance products such as general liability, professional liability and business owners policies, Progressive also sells liquor liability insurance, rideshare insurance and inland marine insurance, among other options. Progressive offers business insurance in all 50 states but doesn't offer coverage in Washington, D.C.
» Read our full Progressive Business Insurance review.
Hiscox is an international insurer headquartered in Bermuda and listed on the London Stock Exchange. Through its Hiscox Retail division, it sells various business insurance policies in the United States. Hiscox may be a good candidate for your small business if you want comprehensive coverage specialized for your industry.
You can complete the entire buying process online, and your proof of insurance is emailed to you immediately once you're done. Some insurers don't have this option and may require you to contact an agent. The company also offers explanatory videos and FAQs to help you determine what coverage you might need.
Hiscox also offers commercial auto insurance, directors and officers insurance, umbrella insurance and employment practices liability insurance, among other options. The company sells coverage to people in over 180 different industries. It does business in every state except Alaska, though the availability of specific types of policies varies by state.
» Read our full Hiscox review.
Next Insurance is an online-only insurer founded in 2016, making it a relative newcomer in the insurance market. It provides general liability, professional liability, commercial property and several other types of small-business insurance. You can request an instant quote directly through the application button on the Next website’s homepage. To buy coverage, you can upload digital copies of some business documents and get a certificate of insurance in minutes.
You can buy policies individually, though if you bundle policies, Next offers up to a 10% discount.
Next Insurance can be a great fit for companies that prefer an all-digital approach. It provides online service and support, and you can submit claims through an online portal or over the phone.
» Read our full Next business insurance review.
Learn more about getting business insurance online:
Choose the right business insurance
There are many types of business insurance. Whether you opt to get coverage online or in person, you can streamline the process by preparing documentation ahead of time and following all instructions carefully. Before applying, you’ll want to compare your options and consider factors such as deductibles, coverage limits, access to customer support and additional insurance tools in order to find a policy that’s right for your business’s needs.
» Still looking for the right coverage? Check out our 4-step guide to business insurance.