Our Top Picks

Hiscox Logo
Hiscox
  • Customer service: Phone during business hours, online
  • Online quotes
  • Available in all 50 states
Hiscox makes purchasing small business liability insurance easy even if you’re unfamiliar with what policies are available. The company’s online assessment process helps educate business owners about risk exposures that are relevant to their business, and it also shows which insurance coverages help mitigate those risks.

With regard to liability risks specifically, Hiscox offers short-term liability, general liability, professional liability, and commercial umbrella insurance. Umbrella insurance is a secondary form of liability protection that can supplement any of the other kinds. These coverages are available through basic business owners policies (BOPs) or more specialized commercial package policies (CPPs). Some of Hiscox’s CPPs are specially designed for the architects and engineering industry and the commercial maintenance industry.

Pros & Cons

Pros

  • Online assessment tool helps identify relevant risks and coverages
  • Specialized CPPs for architecture & engineering and commercial maintenance industries
  • Online and phone claims filing offered

Cons

  • Live customer support only available during business hours

Summary

  • Starting Price
    • $30/month
  • Industries Covered
    Architects and Engineering
    Home
    Commercial Maintenance
    Health
    Property
  • Support Options
    Phone
    Online
  • Available in All 50 States
    Yes
Features
  • Customer service: Phone during business hours, online
  • Online quotes
  • Available in all 50 states
Nationwide Logo
Nationwide
  • Customer service: Phone during business hours
  • Online claims filing
  • Phone claims filing
Nationwide has been underwriting insurance policies since 1926, and the company has a reputation for strong financial stability and excellent customer service. Businesses will find that the phone customer support is extremely helpful.

In addition to being one of the oldest insurance companies, Nationwide is also one of the largest insurers in the country. It offers many options, so small businesses should have no trouble finding the liability insurance coverages they need, along with any other coverages they want.

Pros & Cons

Pros

  • Extensive list of liability insurance coverages
  • Reputation of providing strong customer support
  • Online quotes available

Cons

  • Customer support only available via phone
  • Not available in all 50 states

Summary

Nationwide Logo
Nationwide
  • Starting Price
    • Custom quote
  • Industries Covered
    Personal
    Business
  • Support Options
    Phone
  • Available in All 50 States
    No
Features
  • Customer service: Phone during business hours
  • Online claims filing
  • Phone claims filing
Progressive Logo
Progressive
  • Customer service: Phone during business hours, chat, online
  • Available in all 50 states
  • Online quotes
Progressive offers highly customizable small business liability insurance, making it easy for businesses to select their coverages’ deductibles, limits, and other optional features. Moreover, liability coverages can be purchased on their own or combined with other types of small business insurance (e.g., property coverages) for an even more customized policy.

Should businesses ever need assistance, Progressive affords access to a live representative any time of day or night. Customer service is available via phone, chat, or online, so businesses are never without access to help.

Pros & Cons

Pros

  • Online and phone claims filing offered

Cons

  • Customizable insurance policies require more time to set up

Summary

Progressive Logo
Progressive
  • Starting Price
    • Custom quote
  • Industries Covered
    Property
    Vehicle
    Finance
    Personal
    Commercial
  • Support Options
    Chat
    Phone
    Email
  • Available in All 50 States
    Yes
Features
  • Customer service: Phone during business hours, chat, online
  • Available in all 50 states
  • Online quotes
State Farm Logo
State Farm
  • Customer service: Phone during business hours
  • Online claims filing
  • Phone claims filing
State Farm provides small business liability insurance to more than 300 types of businesses. Hair salons, landlords, electricians, and other professionals can all get liability insurance that’s tailored to their industry.

Because State Farm offers so many different specialized insurance solutions, many of its liability coverages are packaged with other coverages in BOPs or CPPs. Packaging multiple coverages together allows the company to create such industry-specific insurance solutions.

Pros & Cons

Pros

  • Many industry-specific insurance policies
  • Online quotes available

Cons

  • No chat or online customer support available
  • Not available in all 50 states

Summary

State Farm Logo
State Farm
  • Starting Price
    • Custom quote
  • Industries Covered
    Home
    Property
    Life
    Health
    Disability
    Small Business
  • Support Options
    Phone
  • Available in All 50 States
    No
Features
  • Customer service: Phone during business hours
  • Online claims filing
  • Phone claims filing
The Hartford Logo
The Hartford
  • Customer service: Phone during business hours
  • Online claims filing
  • Phone claims filing
The Hartford has more than two centuries of experience in the insurance industry, but it doesn’t offer policies in all 50 states. In the states where The Hartford does underwrite small business liability insurance, it’s one of the most well-regarded names in the business.

Like other insurers, The Hartford offers BOPs and CPPs. Some of the company’s CPPs are uniquely crafted to meet the needs of auto industry businesses, such as mechanics and dealerships. Other businesses will find alternative package policies that are well-suited for different industries.

Pros & Cons

Pros

  • Specialized CPPs for auto industry businesses
  • Online quotes available

Cons

  • No chat or online customer support available

Summary

The Hartford Logo
The Hartford
  • Starting Price
    • Custom quote
  • Industries Covered
    Auto Industry
    Business
    Home
  • Support Options
    Phone
  • Available in All 50 States
    No
Features
  • Customer service: Phone during business hours
  • Online claims filing
  • Phone claims filing

How We Chose the Best Small Business Liability Insurance

Many companies offer small business liability insurance policies, and the policies available offer a variety of protections against lawsuits. We researched the available liability insurance options in order to identify the best ones, basing our rankings on factors that matter to small businesses.

Availability

Insurance regulations vary from state to state, and not all insurers provide policies in all states. While we looked for companies that offer coverage in all or most of the 50 states, small businesses should confirm coverage availability in their specific state. 

Industries Covered

Many liability risks are specific to certain industries, and small business liability policies are frequently written to be industry-specific because of this. We checked to see which industries different insurance companies underwrite policies for, and we prioritized companies that cover multiple industries. Small businesses still need to make sure their industry is covered, however.

Claims Process

When a claim needs to be filed, businesses need to do so as quickly and efficiently as possible. Filing claims by phone is easier for some businesses, while others prefer online claims filing. We made sure that both phone and online claims filing were offered by the listed companies.