General liability, professional liability, and employee benefits — matched to the type of business you actually run.
Small business insurance isn't one-size-fits-all. A consultant with E&O exposure has completely different needs from a solo contractor who needs proof of insurance for a job site or an employer who wants to offer employees better benefits. Here are the right picks for five distinct small business scenarios.
Small business owners, freelancers, consultants, and solo operators looking for business insurance — from general liability and professional coverage to employee supplemental benefits.
Before picking a tool, ask yourself these questions:
Consultants, IT professionals, and knowledge workers needing E&O or professional liability: Hiscox is the clear recommendation — 120+ years of specialist underwriting depth and the strongest financial strength in the category. Comparison shoppers who want to see quotes from multiple carriers side-by-side: Simply Business is the only aggregator in the category and saves meaningful time and money. Freelancers, gig workers, and trades needing instant coverage and COI: Next Insurance wins on digital experience and speed. Small business owners wanting to offer employees supplemental benefits at zero employer cost: Aflac is in a category of one. Tech-forward remote teams who want a mobile-first insurance experience with a social impact model: Lemonade Business.
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