But with so many providers out there, how do you choose the right one?
To help you out, we’ve researched and rounded up the top 5 business liability insurance companies in the U.S. for 2025, based on customer reviews, coverage options, pricing, and ease of use.
1. Hiscox — Best for Small Businesses & Startups
Why it stands out: Hiscox is a go-to insurer for small businesses, freelancers, and solo entrepreneurs. They specialize in customized liability coverage, especially for low-risk industries like marketing, design, consulting, and tech.
- Online quotes in minutes
- Monthly payment options
- Coverage starts as low as $30/month
Best for: Solo entrepreneurs, consultants, and creative professionals.
2. NEXT Insurance — Best for Fast Online Coverage
Why it stands out: NEXT Insurance offers 100% online business insurance with quick, no-hassle policies. You can get a quote, purchase coverage, and download proof of insurance in under 10 minutes.
- Modern, user-friendly platform
- Affordable pricing tailored to small businesses
- Industry-specific packages
Best for: Contractors, fitness instructors, retailers, and online businesses.
3. The Hartford — Best for Established Businesses
Why it stands out: With over 200 years in the insurance game, The Hartford is trusted by more than 1 million small business owners. They offer a wide range of policies, from general liability to workers’ comp and commercial auto.
- Strong financial stability
- Comprehensive coverage bundles
- Excellent customer support
Best for: Medium-sized and established small businesses.
4. State Farm — Best for Personalized Local Support
Why it stands out: State Farm is one of the most recognized names in insurance. What makes it different is its network of local agents who provide hands-on support and customized policies based on your needs.
- Ideal for business owners who prefer face-to-face service
- Nationwide coverage
- Great for combining policies (e.g., liability + property)
Best for: Business owners who want local, in-person support.
5. Travelers — Best for Broad Industry Coverage
Why it stands out: Travelers offers business liability insurance tailored to a wide variety of industries, including construction, manufacturing, tech, and healthcare.
- Wide coverage options
- Trusted by large and small businesses alike
- Financially strong and reliable
Best for: Businesses in high-risk or specialized industries.
Final Thoughts
Choosing the right business liability insurance provider is about more than just cost — it’s about finding coverage that fits your business and your risk profile. Whether you’re a startup or scaling quickly, these top 5 providers offer solid protection, peace of mind, and flexibility.
Before you buy, compare quotes and read the fine print. A small investment today could save your business thousands tomorrow.
