Best Commercial Business Insurance Companies: The importance of business insurance in any organization cannot be overemphasized as trying to save costs in such an aspect can have very negative repercussions. Lack of the right cover can leave businesses in financial distress due to incidences such as theft and robbery or even worse unpredictable incidences that can cost hundreds of thousands. For these risks, it is important to consider and have a good commercial insurance policy that is appropriate for your type of business.
The requirements for business insurance largely depend on the size of the company in question as well as the industry. That is the reason we have carried out extensive research and compiles the best commercial insurance companies in 2025 looking at their coverage options, price, customer support, and claims process among other factors. In the sections below, we discuss the best options available in various types for your selection and consideration.
Best Commercial Business Insurance Companies of 2025
| Insurance Provider | Best For | Key Features | Coverage Area |
|---|---|---|---|
| Next Insurance | Self-Employed Businesses | Low-cost policies, Instant online quotes, Same-day coverage | All 50 states |
| Chubb | General Liability | Industry-specific coverage, Global coverage (extra policy) | All 50 states |
| The Hartford | Commercial Property | Tailored policies for small and large businesses | 49 states |
| Progressive | Commercial Auto | Largest commercial auto insurer, 24/7 customer service | All 50 states |
| Nationwide | Availability for All Businesses | Wide coverage for various business types and sizes | 49 states + DC |
| Berkshire Hathaway | Business Owner’s Policy (BOP) | Customizable plans, Affordable combined coverage | Varies by state |
| Insureon | Liquor Liability | Specializes in liquor liability insurance | All 50 states |
1- Best for Self-employed Business: Next Insurance
Next insurance is a company that offers cheap insurance coverage that is custom made for working individuals and small enterprises. The key policies that it offers include general liability, professional liability, commercial auto, and workers’ compensation whereby the policies are designed for a sole proprietor. Next helps self-employment business owners save up to 30% as compared to the conventional policies. And they can do all this starting at low monthly rates. There are instant quotes and whooping same-day coverage which makes it a plus although it has few options in coverage and best fitted for some industries.
2- Best General Liability: Chubb
Among general liability policies provided by insurers, Chubb s policies are the best. What makes Chubb different is that it has general liability policies for almost every angle, be it from a small scale operator to a multinational corporation. Chubb allows clients who want additional coverage to do so and has a reputation for quick turnaround time for service. Not to add quotations online, it is an insurance carrier that instead requires agents to conduct business on behalf of the company. Chubb is well regarded with regards to its ability to pay claims which makes it a good general liability insurer.
3- Best Commercial Property: The Hartford
The Hartford provides commercial property insurance that is suitable for small business owners and big companies alike. The Hartford focuses on developing products based on comprehensive insurance practices thoroughly learned over more than 200 years of its existence. However this coverage is accessible in nearly all the states with the exception of Alaska and Hawaii. Their policies are customized and scaled according to the size of the company so that small businesses and large corporations have adequate insurance coverage.
4- Best Commercial Auto: Progressive
As the biggest commercial automobile insurance company in the country, Progressive provides the utmost ease, for they can cover nearly all the commercial vehicles ranging from buses, trucks, private cars to vans, and any other vehicle that can be used for commercial purposes. Progressive insurance policies cover almost all commercial cars and they come complete with trucks and buses and other private cars requisitioned for business purposes. There are discounts in the case of car insurance being linked to other policies except that such vehicle types as emergency vehicles are excluded.
5- Best for Availability: Nationwide
In addition, it offers relatively low rates and wide availability for coverage for companies of different sizes from startup businesses to multinational conglomerates. All policies are very well-rounded, from normal issuing business liability insurance to even data breach coverage. Nationwide is active in almost all states, though there are certain industry verticals which do not have specialized options and few online quote systems can be accessed.
6- Top BOP (Business Owner’s Policy) Provider: Berkshire Hathaway
Berkshire Hathaway offers two (2) variations of Business Owner’s Policies (BOP): biBERK and THREE. The biBERK option contains only general liability and property coverage. The THREE plan, on the other hand, is broader since it includes business interruption, workers’ compensation and commercial auto cover. This is very much why Berkshire Hathaway comes highly recommended for companies who want a one-stop shop for all their needs. Nevertheless, this value added services do not cover all states of the country.
7.- Best Liquor Liability Insureon
Insureon provides liquor liability policies for businesses that promote, sell, or serve alcohol. This coverage protects against litigation stemming from incidents involving alcohol consumption. Available in all 50 states and offering online quotations, Insureon is an ideal insurer for service-oriented businesses.
Final Thoughts
If you wish to shield your enterprise from the numerous uncertainties encountered in the day-to-day running of a business, selecting the suitable commercial insurer is crucial. Be it in self-employment, operating a small enterprise, or in a big corporation, these providers have policies suited for all extremes. These and other factors such as coverage offer types available, different options according to the industry, pricing and customer support should play a role in the final decision.
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If looking for more providers with an intention to get the best cover please use an insurance marketplace such as Tivly which can get you the provider best for your business.
FAQs
What is the best insurance for self-employed businesses?
Next Insurance is the top choice for self-employed businesses, offering tailored coverage options at affordable rates.
Can I get a commercial auto insurance policy from Progressive?
Yes, Progressive is one of the largest commercial auto insurers in the U.S. and covers a wide variety of commercial vehicles.
Do I need general liability insurance?
Yes, general liability insurance is essential for protecting your business from claims related to bodily injury, property damage, and more. Chubb offers tailored policies for a wide range of industries.
How can I get quotes from The Hartford?
The Hartford offers online quotes for commercial property insurance, though larger businesses or specialized coverage may require working with an agent.