14 Top Business Insurance Companies

Running your own business is a challenge related to many financial risks and operational losses.

On the other hand, business insurance companies and providers offer coverage that helps small business and large enterprises manage that risk.

The insurers offer many variables and types of insurance for business including liability insurance (general, product, professional liability), workers compensation, commercial property insurance, accident & health, life, cyber, and crime coverage, home-based business policies, commercial auto insurance, business income interruption, umbrella, medical and management liability and much more.

Finding the best insurance companies for business first involves estimating your insurance needs. They can significantly vary depending on the type of  your business, where it is located, the number of employees, your goals and etc.

It is very important to select an insurer that understands your business needs and type.

14 Top Business Insurance Companies & Providers Worth To Consider

State Farm 

State Farm Insurance LogoState Farm offers a good range of small business insurance products and financial services. From business owners policy to help protect your business to a workers’ compensation policy to protect your employees, State Farm can provide the protection your small business needs. Besides that, State Farm is among the most popular and best insurance companies in The USA. with one of the highest financial ratings in the industry.
Business Insurance Products and Solutions:

  • Business Owners Policies
  • Professional Liability Insurance
  • Surety & Fidelity Bonds
  • Workers Comp
  • Business Auto and more.

Nationwide Insurance

Nationwide Insurance LogoNationwide Insurance is one of the top small business insurance companies and one of the largest commercial insurance carrier with an extensive range of products and services. They prove customized insurance solutions that suit you and your budget. You can work with an insurance agent to design a package of coverages specific to the industry you operate in.
Business Insurance Coverages:

  • Business Liability Insurance
  • Commercial Property Insurance
  • Business Auto
  • Crime Insurance
  • Business Income Insurance
  • Umbrella Insurance
  • Cyber Liability Insurance
  • Business Interruption Insurance
  • Equipment Breakdown Insurance and more.

Zurich Insurance Group (Zurich)

Zurich Insurance Group LogoZurich Insurance Group (Zurich) is a leading multi-line insurer with over 140 years serving businesses worldwide, including 100 years in the United States. In North America, Zurich is a leading commercial property-casualty insurance provider serving small businesses, and mid-sized and large companies, including multinational corporations. They are definitely one of the proven business insurance providers with a comprehensive range of solutions.
Business Insurance Products and Services:

  • Absence, health, and productivity
  • Accident and health
  • Captives
  • Casualty
  • Group life, disability and absence management
  • International coverage that extends as far as your business
  • Management liability
  • Political risk
  • Private equity
  • Professional liability
  • Strategic risk solutions and more.

Chubb Corporation

Chubb - one of the best business insurance companies logoWhether yours is a multinational corporation, a mid size regional company, or a fast-growing local business, Chubb Corporation has protection products and services for you. Chubb is one of the world’s largest publicly traded property and casualty insurer. With operations in 54 countries, Chubb provides a huge range of services for individuals and business.
Business Products and Services:

  • Accident & Health
  • Commercial General Liability
  • Commercial Marine
  • Commercial Package
  • Cyber Insurance
  • Environmental
  • Errors & Omissions / Professional Liability
  • Excess & Surplus
  • Global Casualty
  • Inland Marine
  • International Solutions
  • Management Liability
  • Medical Liability
  • Product Recall
  • Property Insurance and much more.


CNA Insurance LogoAs one of the largest U.S. commercial property and casualty insurers, CNA provides insurance solutions to more than 1 million businesses and professionals worldwide. They offer a broad portfolio of insurance solutions — from general liability to property to professional and management liability and more.
Business Insurance Products and Solutions:

  • Business Interruption
  • Commercial Auto Insurance
  • Commercial General Liability
  • Equipment Breakdown
  • Inland Marine
  • Management Liability
  • Professional Liability (Errors and Omissions)
  • Property Insurance
  • Umbrella and Excess
  • Worker’s Compensation and more.

Progressive Commercial

Progressive Commercial LogoFrom minimum coverage to specialized protection, Progressive Commercial offers flexible options allow you to get customized business insurance that matches each stage of your business’s development. Also, they are one of the most popular commercial and business insurance companies with a comprehensive range of products.
Their Business Insurance Products and Services Include:

  • General liability insurance
  • Commercial auto insurance
  • Property
  • Business income interruption
  • Professional liability
  • Business insurance for contractors and more.


Travelers LogoTravelers offers a wide range of business insurance options, designed to identify and reduce the risks that business faces every day. Beyond managing claim costs, they help companies prepare for risk and recover faster after an unexpected event. Today, more than 160 years after their founding, Travelers is one of the nation’s largest property casualty providers. It has more than 30,000 employees, 13,000 independent agents and multiple market segments across the personal, business, financial and international insurance groups.
Their Business Products and Solutions:

  • Commercial Auto & Trucking
  • Cyber
  • General Liability
  • Management & Professional Liability
  • Property
  • Small Business Owner’s Policy
  • Surety Bonds
  • Workers Compensation and more.

Allianz Global Corporate & Specialty

Allianz Global Corporate and SpecialtyAllianz Global Corporate & Specialty is the Allianz Centre of expertise for global business insurance and large corporate and specialty risks. With a worldwide network in more than 160 countries, they are surely one of the very few global insurers with an exclusive focus on the needs of global corporate and specialty clients.
Business Insurance Services and Products:

  • Alternative Risk Transfer
  • Financial Lines
  • Aviation
  • International Insurance Programs
  • Captive and Fronting services
  • Liability Insurance
  • Claims Services
  • Marine
  • Energy
  • Property
  • Engineering
  • Risk consulting and more.

Arch Insurance Group

Arch Insurance Group LogoArch is one of the market-leading business insurance providers in the US. They offer a wide range of property, casualty and specialty insurance for corporations, professional firms, and financial institutions across the US. Also, the group offers multiple channels of distribution for our products depending on customer and broker preferences.
Business Insurance Products and Services:

  • Accident Products
  • Alternative Markets
  • Builders Risk
  • E&S casualty
  • Construction Casualty
  • Contract Binding Operations
  • Defense Base Act Division
  • Disability Products
  • Executive Assurance
  • Excess Workers’ Compensation
  • Health Insurance Products
  • Professional Liability Insurance
  • Property Insurance and more.

Hartford Insurance Company

Hartford Insurance Company LogoHartford Insurance Company is one of the best insurance companies for business solutions designed to meet the unique needs of small businesses and large commercial enterprises across a wide range of industries. The Hartford’s business insurance specialists can help you tailor a solution to address the risks typical of your industry and unique to your company.
Business Insurance Solutions:

  • Workers’ Compensation Insurance
  • Commercial Auto Insurance
  • Commercial Flood Insurance
  • Commercial Property Insurance
  • Commercial Umbrella Insurance
  • Data Breach Insurance
  • General Liability Insurance
  • Management & Professional Liability
  • Global Insurance
  • Marine Insurance
  • Surety & Fidelity Bonds
  • Home-Based Business Insurance
  • Employment Practices Liability
  • Risk Engineering and more.


Humana Insurance LogoHumana Small Business Insurance offer a variety of options to help your employees make the best choices for their continued health and wellness. You can choose and personalize their plans to fit your needs. Humana is one of the most popular insurers in the USA, that offers lines of business work to serve all types of consumers.
Business Insurance Products:

  • Medical
  • Dental
  • Vision
  • Wellness
  • Group Life
  • Disability
  • Behavioral Health and more.

Hanover Insurance Group

Hanover Insurance Group LogoThe Hanover Insurance Group, Inc., is the holding company for several property and casualty insurance companies, which together constitute one of the largest insurance businesses in the United States. Together with their partner agents, Hanover Insurance Group offers innovative, flexible insurance, and specialty solutions to small business and large enterprises to help protect their business’ property, auto, liability, employees, and customers.
Business Insurance Products:

  • Business Owner’s Policy
  • Commercial Package
  • Property Insurance
  • General Liability
  • Commercial Automobile
  • Umbrella
  • Workers’ Compensation
  • Technology
  • Marine (Inland and Ocean)
  • Surety (Contract and Commercial)
  • Industrial Property Risk
  • Professional Liability
  • Management Liability
  • Healthcare Professional Liability and more.

Hiscox Small Business Insurance

Hiscox Small Business Insurance LogoHiscox specialize in protecting IT/technology, marketing, consulting and many other professional service businesses, tailoring coverage to the specific risks in each industry. They don’t offer a one-size-fits-all insurance plan. They tailor their small business insurance coverage to your needs, allowing you to change your coverage as your business changes.
Business Insurance Products:

  • Liability Insurance Overview
  • General Liability Insurance
  • Professional Liability Insurance
  • Errors And Omissions Insurance
  • Business Owner’s Policy (BOP) and more.

If you would like more information for the insurance check the following articles: “List of all insurance companies in The USA” and “Different Types of Life Insurance“.


Finding the best business insurance companies depends mostly on your specific needs, the size of business, the number of employees and type of industry you operate in.

Besides that, there are also many factors to consider before picking the right insurance provider. You have to think about the level of costs, the reputation of the insurers, the amount of offerings and coverages, and more.

As you see, it is not a piece of cake to find the right company and solutions for your business especially if you do not have a deep knowledge in this area.

On the other hand, it is an important decision that may have a huge impact on the overall business. So, before making a decision it is a good idea to consult a trusted agent or insurance consultant that can provide you with guides and advices.

Marin Valchev
Marin Valchev
Marin Valchev, PMP is an IT Project Manager with more than 10 years of experience. He implements cutting-edge technology in a wide-range of Financial and TELCO companies in Europe, Asia, and Africa. Marin shares his knowledge of software, analysis, project management and other business areas.

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