Call now 866-225-1950 Call now 888-819-1228 Call now 855-340-1099 Call now 833-234-8928 Get Quote >
Call 866-225-1950 for 1 minute quote! Get Quote >       Llama ahora! 888-676-0923 Call 888-819-1228 for 1 minute quote! Get Quote > Call 855-340-1099 for 1 minute quote! Get Quote > Call 833-234-8928 for 1 minute quote! Get Quote > is one of the leading online insurance agencies providing affordable Small Business Insurance. We can provide you insurance solutions in all 50 States. Our insurance agency provides Low Cost Small Business Insurance for all types of businesses. We offer five star customer service while representing the top insurance companies in the Country. After inputting the information on your business, our software will quote multiple companies and give you rates to compare side by side instantly. You can also call any speak to one of our knowledgeable agents if you prefer. Furthermore we can get you covered in a matter of minutes once we have your information. Making sure your business has the coverage you need is our top priory. There are also a number of insights that will save you money and unexpected surprises in the event you need to make a claim. So keep scrolling!!!

Once you receive your quotes, you may have the option to review them with a professional agent at which time we will be able to firm up your pricing and coverages. Often times our agents can reduce the prices through additional discounts 10% to 15% from the instant quotes you receive, so please take the time to call us to review your quotes. If you are having any trouble or have any questions related to the quoting process, please feel free to call us and we will be happy to help you.

Thank you for taking the time to get a quote for an Affordable Small Business Insurance Policy.  We appreciate the opportunity to compete for your business and look forward to working with you.

What Types of Small Business Insurance  Coverage Should My Business Have?

Our insurance carriers all sell a policy which is probably very similar to the policy you have or you will be buying. These policies are intended to cover the average small business owner for most risks.
Owning a small business is a rewarding occupation. However it can be exasperating at times for the average person to make sure that everything is running smoothly.  As with any type of business you need to have insurance coverage to protect your business. You need to remember besides your home your business is your largest asset. Not only that, it is the way you make the money to pay your bills and support your family. Do you really want to risk all that you worked so hard for by not having the proper Affordable Small business insurance you need. If you keep reading there will be a number of insider tips in the sections below. These will give you new insights and also present ways to save money.


Small Business Insurance starts with an affordable General Liability Insurance policy. Every small business should have this type of insurance. If your business has employees you are usually required by law to have Small Business Worker’s Compensation Insurance coverage as well. Failure to have Worker’s Compensation Insurance can lead to large out of pocket expenses if an employee is injured on the job. It can also lead to large fines and extreme cases criminal prosecution.


Other more specialized types of low cost Small Business insurance coverage you may wish to obtain are Commercial Auto policies that cover vehicles used in the course of the business. Property Insurance to cover property and inventory used to run your small business. Finally Umbrella Insurance or Excess Insurance to offer protection from catastrophic losses exceeding underlying General Liability Insurance.

Pro Tip: Remember you personal vehicle insurance will not cover you if you are using the vehicle for income producing activities. Even though commercial auto is generally more expensive, it can be deducted from your business income on your taxes as an expense. Thereby lowering the amount you pay in taxes.

Affordable Business Owners Policies

When you start you journey in obtaining cheap small business insurance you may hear and read about BOP’s. This is simply insurance speak for a Business Owners Policy, BOP for short. A BOP is a very simple concept. It is a single policy designed for small business owners that bundles together General Liability and Property Insurance coverage together in one policy. These policies usually have additional benefits such as payment for business interruption. There are also usually options for coverage for spoilage of inventory, forgery protection, crime and fidelity coverage as well. 

The benefit of a BOP is that you have all your coverage with one company so you do not have multiple policies to deal with. You will also pay lower premiums than if you were to purchase these individual coverages separately.

It is however important to remember that a BOP does not provide coverage for any vehicles used in the operation of your small business. Further, it does not cover injuries to your employees as well as this requires Worker’s Compensation Insurance coverage.

 How Much Does Cheap Small Business Insurance Cost? 


The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small business ranges from $48 to $172 per month based on location, size, payroll, sales and experience. 

The cost of Small Business Insurance depends on the coverage and coverage amounts selected. The main factors influencing the price are:

  • Size of the Business: The cost for a small operation needing general liability insurance could be just $700 a year, but a large operation could pay $2,000 or more per year.
  • Types of Operations: A business with the owner and a couple employees may need general liability, worker’s compensation insurance, products liability and property coverage.  A larger business that has large inventory, makes deliveries and has 15 or 20 employees will cost more to insure.
  • Optional coverage: If you have perishable inventory and need coverage that will drive premiums higher. If your business deals with large amounts of cash and valuable inventory optional crime related insurance is wanted in most cases. This type of coverage can add significant cost to your insurance premiums.
  • Prior claims/losses: As a general rule if you make a claim on an insurance policy, your premiums will increase. If you had prior claims you will pay more. 

Location of Business: States like California and New York that have strict guidelines when it comes to the operation of your business will also cause premiums to be higher than States with less regulation. 

Business Owner’s Policy (BOP)– It is very difficult to give an estimate on the cost of a BOP. There are many different factors that are listed above that can greatly influence the cost. In general Affordable BOP run anywhere from $500 to $2,800 per year. The median price that most businesses will pay is around $1,150 per year. This is usually a savings of around 12% if you purchased coverages separately.

Get Your Free Affordable Small Business Insurance Quote


When it comes to getting a fast and free quote for affordable Small Business  Insurance SmallBusinessLiability.Com is the best choice on the internet. We can offer policies in every State. Our knowledgeable agents will be able to assist you to get the coverage you need. We can normally have you covered in under an hour. You can either fill out the online quote application by clicking here or call  (877) 207-6255 and speak to a live person. You can have confidence that you are getting quality coverage at an affordable price when you use SmallBusinessLiability.Com for your small business insurance needs. See our Five Star Reviews on Google and Trust Pilot!!!  We are also an Accredited Business with the Better Business Bureau with an A+ rating !!!


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