Businesses of any size can protect themselves from various risks with commercial insurance. Some types of insurance that can be offered include property and liability, workers’ compensation, and business income insurance. Business continuity insurance can help keep your company running even after a natural disaster or cyberattack.

In addition to these, some businesses may also need specialty coverage. This type of insurance can help protect them from various liability claims due to their work. For instance, construction contractors and wholesalers may require a higher level of protection against these types of claims. Nevertheless, if you are a business looking for insurance, here a some of the best options on the market

The Hartford

The Hartford was named the best overall commercial insurance provider due to its long-standing reputation. This company was established in 1810 as a fire insurance firm. Its financial stability is also evident in the multiple ratings it has received.

Due to the company’s long-standing reputation, it has received high ratings from various online review sources for its property and casualty insurance. In 1983, it also launched a small business service center to show its commitment to serving the needs of small and medium-sized businesses.

The Hartford’s commercial insurance offerings include: 

  • Workers’ Compensation
  • Commercial Property Insurance
  • General Liability
  • Business Income Insurance
  • Business Auto Insurance
  • Errors & Omissions 
  • Cyber Insurance 
State Farm

State Farm also provides a variety of business owner policies designed to help small and medium-sized businesses manage their risks. You can easily find a BOP that fits your needs through its website.

Despite receiving high ratings from third-party review sources, State Farm still has some drawbacks. For instance, it’s not as easy to get quotes online, and customers need to speak with an agent to confirm the pricing, but the agents are available 24/7.

Nevertheless, State Farm still placed second due to its wide range of policies and exceptional service.


Founded in 1792, the insurance company known as Chubb is well-known for its offerings to high-end individuals and luxury homes. It also provides various types of business insurance to white-collar businesses, such as financial firms, healthcare providers, and tech firms.

According to reviews, it has received high ratings for its commercial insurance offerings. You can quickly get a quote online if you’re a small business owner. However, if you’re a large company, you need to contact an agent to get a quote.