Business Insurance because your LLC is not your insurance
An LLC protects your personal assets from business debts. That's it. It doesn't cover the customer who slips in your store, the equipment that breaks down, or the employee who gets hurt on the job. That's what business insurance does — and 77% of small businesses don't have enough of it (Hiscox 2025). We compare 10+ carriers to make sure you're not one of them.
¿Te suena alguna de estas?
You have an LLC and figured that meant you were protected from lawsuits
A landlord, GC, or corporate client just asked for a COI and you don't have one
"I have an LLC, so I'm covered" — the most expensive assumption in small business
An LLC protects your personal assets from business debts. It does nothing for the customer who sues you, the fire that burns your equipment, or the employee injured on the job. 30% of small businesses have no commercial coverage at all (Next Insurance). Of those who do, 77% are underinsured — and most only find out when they file a claim (Hiscox 2025).
A contract requires a COI. You have 24 hours.
A Certificate of Insurance is the single most common reason small business owners buy coverage — and they usually need it the same week. Landlords, general contractors, and corporate clients require it before you can start work. We issue COIs in under 24 hours of your policy going active.
Your first employee changed everything. Did your policy?
Workers Compensation becomes legally required the moment you hire your first employee in almost every state — including part-time and temporary workers. Texas is the only exception. Penalties for non-compliance typically exceed the cost of years of premiums. We check your state's requirements and review your full exposure.
¿Qué está cubierto?
Sujeto a términos y condiciones de la póliza.
Cobertura por tipo de negocio
Cada industria tiene riesgos distintos. Tu póliza debe reflejar los tuyos.
Restaurants & Bars
Liquor Liability is required the moment you serve alcohol
- GL: slip and fall, customer injuries on premises
- Liquor Liability: required by your liquor license
- Equipment Breakdown: refrigeration, ovens, commercial kitchen
- Business Interruption: income coverage if you have to close
Contractors & Construction
No GL means no contracts — most job sites require it on day one
- GL: required for contracts and job site access
- Tools & Equipment: coverage in the field
- Workers Comp: highest injury rate of any industry
- Same-day COI: many contracts require it before you start
Salons, Barbershops & Spas
One adverse reaction claim can exceed a full year of premiums
- GL: slip and fall or product reaction in your space
- Professional Liability: treatment gone wrong
- BOP: chairs, equipment, product inventory
- Workers Comp if you have employees or booth renters
Cleaning & Home Services
Clients require bonding before giving you access to their home
- GL: accidental damage to client property
- Bonding: theft protection for your clients
- Workers Comp: physical work with high injury exposure
- Commercial Auto: vehicles used on the job
Independent Contractors & Freelancers
Most corporate clients require GL before signing a contract
- GL: standard corporate client requirement
- Professional Liability: errors in your service
- Per-project COI: no long-term annual commitment
- Coverage active in under 24 hours
Así de sencillo
Tell us about your business — 5 min
Type of business, location, employees. No credit check. No commitment.
We compare across multiple carriers
Independent agent — no loyalty to any one insurer. Best coverage at the best price for your specific industry.
Policy active and COI in 24 hours
Ready to present to clients, landlords, or contractors. Most policies bind same day.
Tell us about your business — 5 min
Type of business, location, employees. No credit check. No commitment.
We compare across multiple carriers
Independent agent — no loyalty to any one insurer. Best coverage at the best price for your specific industry.
Policy active and COI in 24 hours
Ready to present to clients, landlords, or contractors. Most policies bind same day.
¿Todo claro? Empieza ahora, tarda menos de 5 minutos.
From $19/mo · Sin compromiso · Sin revisión de crédito
Lo que dicen nuestros clientes
“I thought my LLC protected me from lawsuits. It doesn't. Got GL coverage after this conversation. Three months later a customer slipped in my store. Insurance handled the whole thing — attorneys, settlement, everything.”
Jennifer R.
Phoenix, Arizona
“My GC wouldn't let me on a job site without a COI. Had it in under 24 hours. Didn't expect it to move that fast. That's the only reason I made the deadline on that contract.”
Michael T.
Tampa, Florida
“Hired my first employee and had no idea workers comp requirements vary by state. They flagged it before I had a problem and reviewed my whole coverage picture while we were at it.”
Sarah D.
Austin, Texas
Únete a más de 200 familias que ya están protegidas.
From $19/mo · Sin compromiso
Preguntas frecuentes
Find out if you're actually covered
Independent review. 10+ carriers compared. COI in 24 hours. Free, no commitment.
Gratis · Sin compromiso · Respuesta en menos de 24 horas