🛡️ BUSINESS INSURANCE
Business Insurance for Small Businesses and Startups
Business insurance protects your company from liability, property damage, and professional errors. Compare GL, BOP, cyber, D&O, E&O, and workers' comp — get quotes in minutes.
General Liability
BOP
Cyber Liability
D&O
E&O
Workers' Comp
Business insurance protects your startup from liability, property damage, and professional errors.
BizStackHub helps you compare and get small business insurance quotes in minutes — general liability, professional liability,
BOP, and more. Most small businesses start with a General Liability (GL) policy ($500–$1,500/year) or a
Business Owner's Policy (BOP) ($800–$2,500/year) that bundles GL + property at a discount.
Startups handling customer data need Cyber Liability; consulting and SaaS companies need
Professional Liability (E&O); VC-backed startups need Directors & Officers (D&O).
Top providers for small businesses: Corgi (startups), Next Insurance (contractors), Vouch (high-growth tech),
Embroker (Series A+), The Hartford (established SMBs). Use the Insurance Stack below to assess your needs,
estimate premiums, and get quotes — no broker required.
Our Flagship Insurance Partner
Recommended for startups — fast quotes, startup-native coverage, no broker friction.
🐕
★ Featured Partner
Recommended for Startups
Corgi Insurance
Purpose-built insurance for startups — fast online application, coverage tailored for tech and early-stage companies, no broker runaround.
Why we feature Corgi: YC-backed full-stack carrier at $1.3B valuation —
AI-native underwriting, quotes in under 10 minutes, dedicated cyber and AI liability coverage,
and no broker middleman. Built specifically for startups and tech companies.
See full profile →
Small Business Insurance Comparison
Every partner listed is active on BizStackHub. We earn a referral fee when you get a quote — it never affects our recommendations.
| Provider | Best For | Coverage Types | Speed to Quote | |
|---|---|---|---|---|
| CorgiStartups | Tech startups, early-stage | GL, E&O, Cyber, D&O | Minutes | Book a Call → |
| VouchVC-Backed | High-growth startups, Series A+ | D&O, E&O, Cyber, GL | Same day | Get Quote → |
| Embroker | Startups wanting brokerage guidance | All major lines | Hours | Get Quote → |
| Next Insurance | Contractors, tradespeople, freelancers | GL, BOP, Workers Comp | Minutes | Get Quote → |
| Hiscox | Consultants, IT pros, service businesses | GL, E&O, BOP, Cyber | Minutes | Get Quote → |
| The Hartford | Established small businesses | BOP, Workers Comp, Commercial Auto | Same day | Get Quote → |
| biBERK | Cost-conscious SMBs (Berkshire backed) | GL, Workers Comp, E&O | Minutes | Get Quote → |
| CoverWallet | Shopping multiple carriers at once | Multi-carrier comparison | Same day | Get Quote → |
Corgi Insurance — Book a Consultation
Direct Insurer
Business insurance partner on BizStackHub.
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CoverWallet
Insurance Broker
AON-backed digital broker. Compare multiple carriers in one place. Good for businesses wanting to shop multiple options fast.
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Embroker
Insurance Platform
Digital insurance platform with expert brokerage backing. Best for startups wanting personalized coverage with tech company policies from A-rated carriers.
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Hiscox
Direct Insurer
Specializes in professional liability, general liability, and BOP for consultants, IT pros, and service businesses. Strong brand, competitive rates.
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Next Insurance
Direct Insurer
Fully digital small-business insurance. Get a quote in minutes, instant coverage, and manage everything online. Popular with contractors and freelancers.
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Progressive Commercial
Direct Insurer
Market leader for commercial auto and fleet insurance. Competitive rates for businesses with vehicles. Also offers general liability and BOP.
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The Hartford
Direct Insurer
One of the oldest and most trusted commercial insurers in the US. Strong BOP, workers' comp, and commercial auto for established small businesses.
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Vouch
Direct Insurer
Startup-focused insurance from an InsurTech built for high-growth companies. Covers D&O, cyber, E&O, and more. Integrates with your cap table stage.
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biBERK
Direct Insurer
Berkshire Hathaway-backed insurer with competitive rates for small business GL, workers' comp, and professional liability. No broker fees.
Get a Quote →
Coverage Types Explained
Which policies does your business actually need? Here's the plain-English breakdown.
General Liability (GL)
Covers bodily injury, property damage, and personal injury claims against your business. Required by most enterprise clients before signing a contract. Start here. $500–$1,500/year.
Business Owner's Policy (BOP)
Bundles GL + commercial property at a discount. The standard starter pack for most small businesses. Add riders for cyber, pro liability, or equipment as you grow. $800–$2,500/year.
Cyber Liability
Covers data breaches, ransomware, and cyber attacks — legal fees, customer notification, credit monitoring, and business interruption. Non-negotiable for any SaaS or data company. $1,000–$7,500/year.
Directors & Officers (D&O)
Protects founders and board members from personal liability for decisions made on behalf of the company. Most VCs require it before closing a round. Get it 60-90 days before fundraising. $2,000–$8,000/year.
Errors & Omissions (E&O)
Also called Professional Liability. Covers claims that your product or service caused financial harm. Essential for SaaS, consulting, and financial services companies. $900–$3,500/year.
Workers' Compensation
Covers employee injuries and occupational illnesses. Required by law in most states once you have W-2 employees. Often available as an add-on to your BOP.
Business Insurance for Startups
Insurance needs change as your startup grows. Here's what to get at each stage — plus which providers are built for startup-specific risks (tech, data, cap tables, investor obligations).
Insurance by Startup Stage
Start lean. Add coverage as obligations grow.
Pre-Revenue / Idea
General Liability
Required before most client contracts. Get GL before your first engagement. $500–$1,200/year.
First Customers
GL + E&O / BOP
Add professional liability once you're delivering services. BOP if you have office/equipment. $1,200–$3,000/year.
Handling Data / SaaS
Add Cyber Liability
Any SaaS product or business storing customer data needs cyber coverage. Enterprise buyers often require it. $1,000–$4,000/year.
Pre-Fundraise
Add D&O
Get D&O 60–90 days before your target close date. Most VCs require it before signing. $2,000–$8,000/year.
First Hire
Workers' Comp
Legally required in most states once you have W-2 employees. Add immediately when you make your first hire.
Series A+
Full Stack Review
Review all policies, increase limits, add EPLI if headcount grows past 15. Work with Embroker or Vouch for tailored coverage.
Frequently Asked Questions
What insurance does a small business need?
Most small businesses need General Liability (GL) first — it covers bodily injury, property damage, and personal injury claims, and is required by most enterprise clients before signing a contract. A Business Owner's Policy (BOP) bundles GL + commercial property at a discount and is the standard starting point for most SMBs. If you handle customer data, add Cyber Liability. Service and professional businesses need Errors & Omissions (E&O) / Professional Liability. W-2 employees trigger Workers' Comp requirements in most states. Startups raising VC funding should add Directors & Officers (D&O) 60–90 days before closing.
How much does small business insurance cost?
General Liability: $500–$1,500/year. Business Owner's Policy (BOP): $800–$2,500/year. Professional Liability (E&O): $900–$3,500/year. Cyber Liability: $1,000–$7,500/year. Directors & Officers (D&O): $2,000–$8,000/year for seed-stage startups. Workers' Comp: $0.10–$2.50 per $100 of payroll. Bundled startup policies from digital insurers like Corgi or Vouch typically run $2,000–$5,000/year for comprehensive startup coverage. Use the BizStackHub Premium Estimator for industry-adjusted ranges.
What is the best business insurance for startups?
Corgi Insurance is our #1 recommendation for early-stage startups — purpose-built for tech companies, fast online application, startup-native coverage. Vouch is best for VC-backed and high-growth startups that need D&O, E&O, and cyber together. Embroker is ideal for Series A+ companies wanting brokerage guidance with digital tools. Hiscox is strong for consulting and professional services startups. Next Insurance wins for trades and contractor-heavy businesses. The best choice depends on your stage, industry, and risk profile — use the comparison table above to find the right fit.
What is the difference between general liability and professional liability insurance?
General Liability (GL) covers physical risks: bodily injury to third parties, property damage, and personal/advertising injury claims. Example: a client trips at your office, or you break equipment while on-site. Professional Liability (E&O) covers financial harm from your professional work: a mistake in a deliverable costs a client money, a software bug causes data loss, or you miss a deadline with financial consequences. Service businesses and SaaS companies typically need both. Physical product companies often need GL + Product Liability instead of E&O.
How does BizStackHub help with business insurance?
BizStackHub's Insurance Stack helps small businesses and startups find and compare coverage in minutes — no broker required. Tools include: a coverage needs assessment (recommends must-have vs. optional policies), a premium estimator with industry-adjusted ranges, a provider comparison of 9 top insurers, and dedicated guides for each coverage type. Everything is free to use — BizStackHub earns a referral fee from partners when you request a quote, which never affects our recommendations.
Do I need D&O insurance before raising a seed round?
Yes — most VCs require proof of D&O insurance before closing a round. They're protecting themselves as much as you. Get D&O in place 60–90 days before your target close date so you're not holding up the deal. Many startup-focused insurers (including Corgi) can turn around a D&O policy in days.
📊 BizStackHub Research
Small Business Insurance Cost Index Q2 2026
GL from $30/mo · BOP median $57/mo · First-party data from 826 referral clicks · NAIC, NFIB, Hiscox cited