Master comparison
Compare small business insurance carriers
Every published carrier on BIC, lined up across the same six dimensions our methodology uses. Filter by state, industry, or policy line. Sort by what matters to you.
Sub-threshold = fewer than 20 NAIC complaints in 3 years (data is too sparse to score reliably). N/A (broker) = not a carrier. See full methodology →
| Carrier | Our score | Positioning | Starting price | Coverage | Claims | AM Best | NAIC index | States | Quote channel |
|---|---|---|---|---|---|---|---|---|---|
 | 8.1 | Broker comparing 8+ carriers | GL $21/mo | 8.5/10 | 7.5/10 | — | N/A (broker) | 50 states | Broker portal |
 | 8.1 | Broad-ladder primary carrier | GL $42/mo | 9.0/10 | 8.0/10 | A++ | Sub-threshold | 50 states | Direct online |
 | 7.9 | Single-carrier program for SMBs | GL $68/mo | 9.0/10 | 8.0/10 | A+ | Sub-threshold | 50 states | Direct online |
 | 7.8 | Digital-native micro-business | Cyber $4/mo | 7.0/10 | 7.5/10 | A+ | Sub-threshold | 50 states | Direct online |
 | 7.7 | Tech & data-handling specialist | Cyber $83/mo | 8.5/10 | 8.0/10 | A | Sub-threshold | 50 states | Direct online |
 | 7.6 | Workers comp specialist | — | 8.0/10 | 7.5/10 | A- | Sub-threshold | 39 states | Direct online |
 | 7.4 | Gig and event-based | GL $17/mo | 6.5/10 | 7.0/10 | A+ | Sub-threshold | 50 states | Direct online |
 | 7.2 | Berkshire-backed contractual umbrella | GL $28/mo | 8.0/10 | 8.0/10 | A++ | 13.25 | 50 states | Direct online |
 | 7.0 | Venture-backed tech & SaaS | — | 7.0/10 | 7.0/10 | — | N/A (broker) | 50 states | Broker portal |
 | 7.0 | Professional services E&O focus | GL $30/mo | 7.5/10 | 8.0/10 | A | 8.15 | 50 states | Direct online |
About complaint index data: Values are 3-year averages from NAIC Consumer Information Source for commercial liability. Carriers with fewer than 20 complaints in the 3-year window are labeled "sub-threshold". A reliability call about data volume, not a finding about the carrier. Brokers (Category D) are structurally N/A. See our complete methodology.
- 8.1
- Positioning
- Broker comparing 8+ carriers
- Starting price
- GL $21/mo
- Coverage
- 8.5/10
- Claims
- 7.5/10
- AM Best
- —
- NAIC index
- N/A (broker)
- States
- 50 states
- Quote channel
- Broker portal
- 8.1
- Positioning
- Broad-ladder primary carrier
- Starting price
- GL $42/mo
- Coverage
- 9.0/10
- Claims
- 8.0/10
- AM Best
- A++
- NAIC index
- Sub-threshold
- States
- 50 states
- Quote channel
- Direct online
- 7.9
- Positioning
- Single-carrier program for SMBs
- Starting price
- GL $68/mo
- Coverage
- 9.0/10
- Claims
- 8.0/10
- AM Best
- A+
- NAIC index
- Sub-threshold
- States
- 50 states
- Quote channel
- Direct online
- 7.8
- Positioning
- Digital-native micro-business
- Starting price
- Cyber $4/mo
- Coverage
- 7.0/10
- Claims
- 7.5/10
- AM Best
- A+
- NAIC index
- Sub-threshold
- States
- 50 states
- Quote channel
- Direct online
- 7.7
- Positioning
- Tech & data-handling specialist
- Starting price
- Cyber $83/mo
- Coverage
- 8.5/10
- Claims
- 8.0/10
- AM Best
- A
- NAIC index
- Sub-threshold
- States
- 50 states
- Quote channel
- Direct online
- 7.6
- Positioning
- Workers comp specialist
- Starting price
- —
- Coverage
- 8.0/10
- Claims
- 7.5/10
- AM Best
- A-
- NAIC index
- Sub-threshold
- States
- 39 states
- Quote channel
- Direct online
- 7.4
- Positioning
- Gig and event-based
- Starting price
- GL $17/mo
- Coverage
- 6.5/10
- Claims
- 7.0/10
- AM Best
- A+
- NAIC index
- Sub-threshold
- States
- 50 states
- Quote channel
- Direct online
- 7.2
- Positioning
- Berkshire-backed contractual umbrella
- Starting price
- GL $28/mo
- Coverage
- 8.0/10
- Claims
- 8.0/10
- AM Best
- A++
- NAIC index
- 13.25
- States
- 50 states
- Quote channel
- Direct online
- 7.0
- Positioning
- Venture-backed tech & SaaS
- Starting price
- —
- Coverage
- 7.0/10
- Claims
- 7.0/10
- AM Best
- —
- NAIC index
- N/A (broker)
- States
- 50 states
- Quote channel
- Broker portal
- 7.0
- Positioning
- Professional services E&O focus
- Starting price
- GL $30/mo
- Coverage
- 7.5/10
- Claims
- 8.0/10
- AM Best
- A
- NAIC index
- 8.15
- States
- 50 states
- Quote channel
- Direct online
No carriers match those filters. .
Editorial rankings
Looking for our top picks?
Editorially-ordered best-of pages with per-rank rationale, methodology focus, and explicit disclosure of every carrier we evaluated and chose not to rank.
- channel Best online business insurance for small business in 2026
- head Best business insurance for small business owners in 2026
- head Best small business insurance for 2026
- industry Best business insurance for contractors in 2026
- policy Best business owners policy (BOP) insurance for small business in 2026
- policy Best cyber liability insurance for small business in 2026
- policy Best general liability insurance for small business in 2026
- policy Best professional liability insurance for small business in 2026
- policy Best workers comp insurance for small business in 2026
- price Cheapest business insurance for small business in 2026
- segment Best business insurance for LLCs in 2026
- segment Best business insurance for sole proprietors in 2026
Head-to-head comparisons
Popular carrier matchups
- The Hartford vs Travelers Small Business7.9 vs 8.1Two top-of-scorecard primary carriers; Hartford for single-carrier programs, Travelers for IndustryEdge specificity.Read comparison →
- The Hartford vs Hiscox7.9 vs 7.0Hartford's sub-threshold complaint volume vs. Hiscox's 8.15 NAIC index. Material for GL-primary buyers.Read comparison →
- The Hartford vs NEXT Insurance (ERGO NEXT)7.9 vs 7.8Established broad-appetite carrier vs. digital-native micro-business specialist.Read comparison →
- Hiscox vs Travelers Small Business7.0 vs 8.1Hiscox 8.15 NAIC index. A real consideration for GL-primary buyers comparing to Travelers' top-scorecard position.Read comparison →
- Hiscox vs NEXT Insurance (ERGO NEXT)7.0 vs 7.8Hiscox 8.15 NAIC index vs. NEXT's sub-threshold profile; both target professional-services and digital-native respectively.Read comparison →
- biBERK vs Hiscox7.2 vs 7.0biBerk 13.25 vs. Hiscox 8.15. Both meets-threshold elevated, biBerk meaningfully higher.Read comparison →
- biBERK vs NEXT Insurance (ERGO NEXT)7.2 vs 7.8biBerk 13.25 NAIC index vs. NEXT's sub-threshold profile; both target trades and micro-business.Read comparison →
- Coalition vs Travelers Small Business7.7 vs 8.1Cyber-specialist vs. broad-ladder primary carrier; Coalition for tech-stack risk, Travelers for broader programs.Read comparison →
- The Hartford vs Pie Insurance7.9 vs 7.6Broad-appetite primary carrier vs. workers comp specialist (39 states).Read comparison →
- NEXT Insurance (ERGO NEXT) vs Simply Business7.8 vs 8.1Direct digital-native vs. broker comparing 8+ carriers; different shopping models.Read comparison →
Trust assessments
Honest carrier assessments
Honest decision-support assessments with NAIC complaint data, AM Best ratings, and best-fit guidance.
- Is Simply Business worth it? →
- Is Travelers Small Business worth it? →
- Is The Hartford worth it? →
- Is NEXT Insurance (ERGO NEXT) worth it? →
- Is Coalition worth it? →
- Is Pie Insurance worth it? →
- Is Thimble worth it? →
- Is biBERK worth it? →
- Is Embroker worth it? →
- Is Hiscox worth it? →
- Is Texas Mutual Insurance Company worth it? →
- Is SAIF Corporation worth it? →
- Is Pinnacol Assurance worth it? →
- Is Missouri Employers Mutual worth it? →
- Is Chesapeake Employers Insurance worth it? →