Insureon is a Insurance company. Insureon is a leading online agency for small business insurance, allowing business owners to compare quotes from top-rated companies, buy policies, and manage coverage online. The company provides a range of insurance policies, including general liability, professional liability, workers' compensation, and commercial property insurance, among others. Insureon offers 12 products: Commercial Auto Insurance, Errors and Omissions Insurance, General Liability Insurance, Small Business Insurance, Commercial Property Insurance, Commercial Umbrella Insurance, Cyber Insurance, Business Bonds, Professional Liability Insurance, Workers’ Compensation Insurance, Tools & Equipment Insurance, Business Owner's Policy.
Insureon is the largest provider of small business insurance online. It allows small business owners to fill out a single application and get quotes from top carriers in seconds.
Insureon is a leading online agency for small business insurance, allowing business owners to compare quotes from top-rated companies, buy policies, and manage coverage online. The company provides a range of insurance policies, including general liability, professional liability, workers' compensation, and commercial property insurance, among others.
"#1 digital agency for small business insurance."
Insureon is a Insurance company serving global markets. Insureon is a leading online agency for small business insurance, allowing business owners to compare quotes from top-rated companies, buy policies, and manage coverage online. The company provides a range of insurance policies, including general liability, professional liability, workers' compensation, and commercial property insurance, among others.
Niche
Insurance
12 products and services
Commercial auto insurance covers legal bills, medical expenses, and property damage if a business vehicle is involved in an accident....Commercial auto insurance covers legal bills, medical expenses, and property damage if a business vehicle is involved in an accident. It is required in almost every state for vehicles owned by a business and provides financial protection for businesses if they or their employees get into an auto accident.
Errors and omissions insurance (E&O), also known as professional liability insurance, helps cover the cost of a lawsuit if a...Errors and omissions insurance (E&O), also known as professional liability insurance, helps cover the cost of a lawsuit if a client claims your work was inaccurate, late, or never delivered. It protects your business from claims of professional negligence, mistakes, or oversights that cause a financial loss for a client. E&O insurance covers legal defense costs, settlements, and judgments, and is often required by clients or state licensing boards.
General liability insurance covers common risks like customer injuries, customer property damage, and advertising injuries. It protects your business from...General liability insurance covers common risks like customer injuries, customer property damage, and advertising injuries. It protects your business from the high costs of lawsuits and helps you qualify for leases and contracts.
Insureon offers small business insurance by comparing quotes from top-rated carriers, helping businesses find coverage tailored to their specific risks...Insureon offers small business insurance by comparing quotes from top-rated carriers, helping businesses find coverage tailored to their specific risks and industry at affordable rates. The process is streamlined and digital, allowing businesses to get insured in as little as 24 hours.
Commercial property insurance pays to repair or replace stolen, lost, or damaged business property. It covers your business’s physical location...Commercial property insurance pays to repair or replace stolen, lost, or damaged business property. It covers your business’s physical location and other assets like equipment. This insurance is important for small businesses that own or rent property, have valuable equipment, inventory, or depend on physical assets. It protects against risks such as fire, theft, vandalism, and certain types of water damage.
Commercial umbrella insurance provides additional liability coverage for small businesses when the limits of their existing general liability, commercial auto,...Commercial umbrella insurance provides additional liability coverage for small businesses when the limits of their existing general liability, commercial auto, or employer’s liability insurance policies are reached. It is often required to fulfill contracts that demand higher policy limits and helps protect businesses from the most expensive lawsuits by supplying funds beyond the underlying policy’s maximum.
Cyber insurance, also called cybersecurity insurance, protects small businesses from the high costs of a data breach or malicious software...Cyber insurance, also called cybersecurity insurance, protects small businesses from the high costs of a data breach or malicious software attack. It covers expenses such as customer notification, credit monitoring, legal fees, and fines.
Business bonds are financial guarantees that help small businesses fulfill legal, regulatory, or client contract requirements. They provide assurance to...Business bonds are financial guarantees that help small businesses fulfill legal, regulatory, or client contract requirements. They provide assurance to clients and regulators that a business will meet its obligations, and can reimburse clients in cases of contract breaches, employee theft, or regulatory non-compliance. Bonds are often required for licensing, client contracts, or to attract new business.
Professional liability insurance, also called errors and omissions insurance (E&O), protects small businesses against the costs of client lawsuits over...Professional liability insurance, also called errors and omissions insurance (E&O), protects small businesses against the costs of client lawsuits over unsatisfactory work, mistakes, missed deadlines, or professional negligence. It is designed for businesses that make a living off their expertise and provides coverage for legal defense costs up to the policy limit.
Workers’ compensation insurance covers medical costs and lost wages for work-related injuries and illnesses. This policy is required in almost...Workers’ compensation insurance covers medical costs and lost wages for work-related injuries and illnesses. This policy is required in almost every state for businesses that have employees.
Tools and equipment insurance helps pay for repair or replacement of tools and equipment if they are lost, stolen, or...Tools and equipment insurance helps pay for repair or replacement of tools and equipment if they are lost, stolen, or damaged. The items typically must be less than five years old and valued under $10,000. This policy is designed for businesses whose equipment travels to different jobsites, such as construction, installation, and landscaping professionals.
A business owner’s policy (BOP) bundles general liability insurance with commercial property insurance. It typically costs less than purchasing these...A business owner’s policy (BOP) bundles general liability insurance with commercial property insurance. It typically costs less than purchasing these policies separately. A BOP protects small businesses against common liability risks and property damage, making it a smart and cost-effective choice for many small business owners.
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#1 digital agency for small business insurance.
Insureon is the largest provider of small business insurance online. It allows small business owners to fill out a single application and get quotes from top carriers in seconds.
Insureon provides online small business insurance solutions, allowing business owners to compare quotes and purchase necessary coverage from various insurance carriers.
Small business owners across various industries in the United States.
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Philadelphia Insurance Companies
Nationwide
The Hartford
Insureon specializes in providing small business insurance. With its user-friendly online application process, Insureon helps business owners secure the right coverage from top-rated carriers efficiently. The platform supports a wide range of industries and offers various types of insurance policies, making it a comprehensive solution for small businesses. Insureon also offers resources and guidance for small business owners to help them understand their insurance needs better.
"Holly was wonderful to work with"
Kevin Davis - Customer
"Easy process"
Liz Martinez - Customer
"Customer service is the best"
Billy Jackson - Customer
Detailed information about Insureon's products and services. Each offering is enriched with AI-powered insights to help you understand capabilities, features, and use cases.
Commercial auto insurance is designed to protect businesses from the financial consequences of accidents involving vehicles owned by the business. It covers liability for bodily injury and property damage, as well as optional coverages for physical damage, medical payments, and more.
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Commercial auto insurance covers legal bills, medical expenses, and property damage if a business vehicle is involved in an accident. It is required in almost every state for vehicles owned by a business and provides financial protection for businesses if they or their employees get into an auto accident.
Commercial auto insurance is designed to protect businesses from the financial consequences of accidents involving vehicles owned by the business. It covers liability for bodily injury and property damage, as well as optional coverages for physical damage, medical payments, and more.
Commercial auto insurance covers legal bills, medical expenses, and property damage if a business vehicle is involved in an accident.
Almost every state requires commercial auto insurance for vehicles owned by a business. It provides financial protection for businesses if they or their employees get into an auto accident.
Almost every state mandates commercial auto liability insurance for business-owned vehicles. New Hampshire is the only state where car insurance isn’t required, but you must still prove your business could compensate someone in the event of an accident.
Helps pay for bodily injuries, property damage, and lawsuits in the event of an accident. Can also cover vehicle theft, vandalism, and other losses and damages.
Commercial auto insurance costs an average of $147 per month. 37% of customers pay less than $100 per month. Cost is based on several factors.
Benefits small business owners across many industries. Required if a vehicle is registered to your business. All types of vehicles can be insured.
Complete an easy online insurance application to get free quotes. Insureon's expert insurance agents can help you find the best commercial auto coverage for your small business at an affordable price.
Does not cover personal or leased vehicles, recently purchased vehicles not yet added to the policy, customer vehicles, or garage business risks.
Answers to common questions about commercial auto insurance, including differences from personal auto insurance, coverage types, and who is insured.
E&O insurance provides financial protection for businesses and independent contractors that provide professional services or advice. It covers claims related to work mistakes, undelivered services, missed deadlines, breach of contract, misrepresentation, and poor communication. The policy pays for legal defense costs, attorney fees, court costs, and settlements or judgments, up to the coverage limit, after a deductible.
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Errors and omissions insurance (E&O), also known as professional liability insurance, helps cover the cost of a lawsuit if a client claims your work was inaccurate, late, or never delivered. It protects your business from claims of professional negligence, mistakes, or oversights that cause a financial loss for a client. E&O insurance covers legal defense costs, settlements, and judgments, and is often required by clients or state licensing boards.
E&O insurance provides financial protection for businesses and independent contractors that provide professional services or advice. It covers claims related to work mistakes, undelivered services, missed deadlines, breach of contract, misrepresentation, and poor communication. The policy pays for legal defense costs, attorney fees, court costs, and settlements or judgments, up to the coverage limit, after a deductible.
Errors and omissions insurance (E&O) helps cover the cost of a lawsuit if a client claims your work was inaccurate, late, or never delivered. It’s sometimes called professional liability insurance.
E&O insurance protects your business if you’re accused of professional negligence, such as a mistake or oversight that causes a financial loss for a client. It may be required by clients or for licensing.
Covers a wide range of claims, including work mistakes, undelivered services, missed deadlines, breach of contract, misrepresentation, and poor communication.
E&O insurance costs an average of $61 per month. About a third of customers pay less than $50 per month. Premiums depend on industry risk, business size, revenue, number of employees, policy limits, deductibles, claims history, and endorsements.
Protection for a wide range of industries that provide professional services or advice. Required by some clients or state laws.
Exclusions include lawsuits you initiate, intentional or illegal acts, customer injuries, employee injuries, discrimination lawsuits, damage to business property, auto accidents, and product-related harm.
Answers to common questions about E&O insurance, including requirements, how it works, differences from other policies, and more.
General liability insurance (CGL) provides financial protection for small businesses against third-party claims of bodily injury, property damage, and personal or advertising injury. It is often the first policy purchased by small business owners and is a crucial component of risk management.
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General liability insurance covers common risks like customer injuries, customer property damage, and advertising injuries. It protects your business from the high costs of lawsuits and helps you qualify for leases and contracts.
General liability insurance (CGL) provides financial protection for small businesses against third-party claims of bodily injury, property damage, and personal or advertising injury. It is often the first policy purchased by small business owners and is a crucial component of risk management.
General liability insurance covers common risks like customer injuries, customer property damage, and advertising injuries. It protects your business from the high costs of lawsuits and helps you qualify for leases and contracts.
Protects against the most common risks of running a business. Provides financial protection if a customer is injured or property is damaged. Covers personal and advertising injuries. Often required for leases, loans, or contracts. Affordable for small businesses.
Provides coverage for common liability claims from third parties. Covers legal defense costs, judgments, and settlements. Includes specialized forms such as railroad protective liability insurance.
Average cost is $42 per month for Insureon customers. 29% pay less than $30 per month. Cost depends on industry, location, number of employees, coverage limits, and claims history.
Most small businesses, especially those with a storefront or office open to the public. Home-based businesses, independent contractors, and LLCs also benefit.
Does not cover professional mistakes, employee injuries, business property damage/theft, employee discrimination lawsuits, vehicles used by a business, or liquor liability.
Answers to common questions about coverage limits, differences with professional liability, exclusions, and coverage categories.
Small business insurance protects businesses from a wide range of risks, including accidents, lawsuits, property damage, and other disruptions. Insureon enables business owners to compare quotes, select policies, and purchase coverage online, receiving a certificate of insurance quickly.
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Insureon offers small business insurance by comparing quotes from top-rated carriers, helping businesses find coverage tailored to their specific risks and industry at affordable rates. The process is streamlined and digital, allowing businesses to get insured in as little as 24 hours.
Small business insurance protects businesses from a wide range of risks, including accidents, lawsuits, property damage, and other disruptions. Insureon enables business owners to compare quotes, select policies, and purchase coverage online, receiving a certificate of insurance quickly.
Commercial property insurance protects your business’s real estate and its contents, including inventory, furniture, computers, tools, and equipment. It helps pay for repair or replacement when business property is lost, damaged, or destroyed due to covered events. The policy can also include coverage for lost income if business interruption insurance is added.
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Commercial property insurance pays to repair or replace stolen, lost, or damaged business property. It covers your business’s physical location and other assets like equipment. This insurance is important for small businesses that own or rent property, have valuable equipment, inventory, or depend on physical assets. It protects against risks such as fire, theft, vandalism, and certain types of water damage.
Commercial property insurance protects your business’s real estate and its contents, including inventory, furniture, computers, tools, and equipment. It helps pay for repair or replacement when business property is lost, damaged, or destroyed due to covered events. The policy can also include coverage for lost income if business interruption insurance is added.
Once a policy’s limit is reached, commercial umbrella insurance provides additional coverage for liability claims made on general liability, commercial auto, or employer’s liability insurance. It supplements coverage in $1 million increments and requires the business to carry a certain amount of coverage on the underlying policy.
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Commercial umbrella insurance provides additional liability coverage for small businesses when the limits of their existing general liability, commercial auto, or employer’s liability insurance policies are reached. It is often required to fulfill contracts that demand higher policy limits and helps protect businesses from the most expensive lawsuits by supplying funds beyond the underlying policy’s maximum.
Once a policy’s limit is reached, commercial umbrella insurance provides additional coverage for liability claims made on general liability, commercial auto, or employer’s liability insurance. It supplements coverage in $1 million increments and requires the business to carry a certain amount of coverage on the underlying policy.
Once a policy’s limit is reached, commercial umbrella insurance provides additional coverage for liability claims made on general liability, commercial auto, or employer’s liability insurance.
Business owners who purchase commercial umbrella insurance usually need it to fulfill a contract that requests higher than standard policy limits offered by an insurance company. Umbrella insurance provides additional liability coverage for the most expensive lawsuits.
Commercial umbrella insurance policies often have the same terms and cover the same risks as the underlying business insurance policy.
For Insureon customers, commercial umbrella insurance costs an average of $75 per month. Several factors affect business umbrella insurance costs.
Commercial umbrella insurance coverage acts as a safety net. When a claim exceeds the limits of your primary policy, umbrella insurance can pick up the slack.
Small business owners often invest in umbrella insurance due to the rising cost of lawsuits and medical expenses.
Umbrella insurance does not provide all the protection a small business might need.
Get answers to frequently asked questions about commercial umbrella coverage.
Cyber insurance helps businesses recover from data breaches and cyberattacks, which are increasingly common and costly. It provides crucial protection for businesses that handle sensitive information that could be exposed in a security breach.
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Cyber insurance, also called cybersecurity insurance, protects small businesses from the high costs of a data breach or malicious software attack. It covers expenses such as customer notification, credit monitoring, legal fees, and fines.
Cyber insurance helps businesses recover from data breaches and cyberattacks, which are increasingly common and costly. It provides crucial protection for businesses that handle sensitive information that could be exposed in a security breach.
Cyber insurance helps businesses recover from data breaches and cyberattacks, which are increasingly common and costly. It provides crucial protection for businesses that handle sensitive information that could be exposed in a security breach.
Cybersecurity insurance covers your incident response costs associated with data breaches and cyberattacks, including the cost of recovering important data and hiring legal representation.
Insureon customers pay an average premium of $145 per month for cyber insurance. The cost is based on industry, amount of sensitive data handled, number of employees, cybersecurity controls, and policy limits/deductible.
Cyber liability insurance is key for companies that operate in cybersecurity, work in a cloud environment, or handle sensitive customer information. Especially vulnerable industries include IT, retail, healthcare, finance, and real estate.
Cyber insurance does not cover data loss caused by a power outage, professional mistakes, damaged electronics from physical events, or physical accidents that destroy client data.
Business bonds, also known as commercial bonds, are agreements that guarantee a business will fulfill its contractual or regulatory obligations. If the business fails to do so, the bond issuer compensates the client or regulatory body. Bonds are distinct from insurance, as they primarily protect the client or public rather than the business itself.
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Business bonds are financial guarantees that help small businesses fulfill legal, regulatory, or client contract requirements. They provide assurance to clients and regulators that a business will meet its obligations, and can reimburse clients in cases of contract breaches, employee theft, or regulatory non-compliance. Bonds are often required for licensing, client contracts, or to attract new business.
Business bonds, also known as commercial bonds, are agreements that guarantee a business will fulfill its contractual or regulatory obligations. If the business fails to do so, the bond issuer compensates the client or regulatory body. Bonds are distinct from insurance, as they primarily protect the client or public rather than the business itself.
Both bonds and insurance signify that your business is dependable. A bond pays your clients back when a contract is broken, while insurance covers the cost of accidents and lawsuits. You may need a bond to work with certain clients, or to get a license for your profession.
Small business owners most often purchase these different types of bonds.
Small business owners most often need bonds in order to conduct business legally or sign a client contract. They also help attract clients to your business.
A bond is an agreement between three entities: the business (obligor), the client (obligee), and the insurance company (surety). If the terms of the bond are broken, the surety company reimburses the client, and your business must then pay that amount back. The only exception is a fidelity bond, which does not require the business owner to repay the bonding company.
List of professions that commonly require bonds.
Bonds are typically very affordable. The cost of a bond depends primarily on the bond amount and your credit rating.
Bonds can be confusing. Some industries require several different types of bonds, especially construction. Examples include license/permit bonds, contract/performance/construction bonds, bid bonds, and payment bonds.
Professional liability insurance helps protect businesses from lawsuits filed by unsatisfied clients due to work mistakes, undelivered services, missed deadlines, negligence, or breach of contract. It covers legal defense costs, settlements, and court-ordered judgments related to professional errors.
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Professional liability insurance, also called errors and omissions insurance (E&O), protects small businesses against the costs of client lawsuits over unsatisfactory work, mistakes, missed deadlines, or professional negligence. It is designed for businesses that make a living off their expertise and provides coverage for legal defense costs up to the policy limit.
Professional liability insurance helps protect businesses from lawsuits filed by unsatisfied clients due to work mistakes, undelivered services, missed deadlines, negligence, or breach of contract. It covers legal defense costs, settlements, and court-ordered judgments related to professional errors.
Professional liability insurance, also called errors and omissions insurance or E&O insurance, protects small businesses against the costs of client lawsuits over unsatisfactory work.
Professional liability insurance is designed for businesses that make a living off their expertise. It helps protect you from lawsuits filed by unsatisfied clients due to mistakes, missed deadlines, omissions, or ineffective advice.
Provides coverage for claims related to work mistakes and oversights, undelivered services, accusations of negligence, breach of contract, and missed deadlines.
The average cost is $61 per month. About a third of customers pay less than $50 per month. Cost is based on industry, coverage limits, business size, operations, claims history, and endorsements.
Benefits a wide range of industries that provide services to clients or customers. Required for some professions and often requested by clients or for licensing.
Excludes customer bodily injuries, property damage, employee injuries, employee discrimination lawsuits, illegal activity, and harm caused by a product.
Answers to common questions about requirements, how it works, differences from other coverages, and terminology.
Workers’ compensation insurance is a no-fault policy that covers costs related to workplace injuries and illnesses, including medical expenses, lost wages, and legal costs from employee lawsuits. It is required by law in most states for businesses with employees and provides essential protection for both employers and employees.
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Workers’ compensation insurance covers medical costs and lost wages for work-related injuries and illnesses. This policy is required in almost every state for businesses that have employees.
Workers’ compensation insurance is a no-fault policy that covers costs related to workplace injuries and illnesses, including medical expenses, lost wages, and legal costs from employee lawsuits. It is required by law in most states for businesses with employees and provides essential protection for both employers and employees.
Workers' compensation insurance is a no-fault policy that covers costs related to workplace injuries and illnesses. Small businesses typically need a policy as soon as they hire their first employee. It protects against healthcare expenses and employee lawsuits related to workplace injuries.
Covers medical expenses, disability benefits, compensation for fatal injuries, and lawsuits related to workplace injuries.
Average cost is $45 per month. 23% of customers pay less than $30 per month. Premiums are based on payroll, location, number of employees, industry, coverage limits, and claims history.
Each state has unique laws and penalties. Most states require coverage as soon as a business hires its first employee. Some states have exemptions or different thresholds. Monopolistic states require purchase from a state fund.
Generally not required for businesses with no employees, but may be purchased for contract requirements or personal protection. Some states require coverage for hazardous work.
Excludes injuries caused by intoxication, injuries after termination, wages for replacement workers, and OSHA fines.
Apply online or with an agent. Most business owners can get coverage right away, with same-day access to a certificate of insurance.
Contractor's tools and equipment insurance is a form of inland marine insurance that protects small tools and equipment wherever you take them. It pays for repair or replacement if they are lost, damaged, or stolen. Also known as equipment floater insurance or tool insurance.
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Tools and equipment insurance helps pay for repair or replacement of tools and equipment if they are lost, stolen, or damaged. The items typically must be less than five years old and valued under $10,000. This policy is designed for businesses whose equipment travels to different jobsites, such as construction, installation, and landscaping professionals.
Contractor's tools and equipment insurance is a form of inland marine insurance that protects small tools and equipment wherever you take them. It pays for repair or replacement if they are lost, damaged, or stolen. Also known as equipment floater insurance or tool insurance.
This policy helps pay for repair or replacement of tools and equipment if they are lost, stolen, or damaged. The items typically must be less than five years old.
Protects small tools and equipment wherever you take them. Pays for repair or replacement if lost, damaged, or stolen. Designed for construction businesses and installation professionals who work at different jobsites.
Covers business equipment that travels with you. Items must be valued under $10,000 and less than five years old. Can be added to commercial property insurance or a BOP.
Protects hand tools, power tools, machinery, and other equipment that moves from place to place. Covers theft, damage (excluding wear and tear), vandalism, and some leased/rented items.
Small business owners pay an average premium of only $14 per month. Factors affecting price include industry risks, value of tools, frequency of moving items, coverage type, claims history, property valuation method, policy limits, deductible, and other coverage options.
Standard commercial property insurance won't cover tools in transit or equipment stored at a worksite. Contractor's tools and equipment insurance benefits tradespeople and professionals who bring tools and equipment to jobsites.
Does not cover normal wear and tear, intentional breakage or misuse, items more than five years old, items valued at more than $10,000, or vehicles.
Answers to common questions about adding coverage to a BOP, how coverage works, and differences from inland marine insurance.
A business owner's policy (BOP) is an insurance bundle that combines general liability insurance and commercial property insurance into a single policy. It is designed to protect small businesses from financial losses due to customer accidents, property damage, product liability, and more. BOPs are typically more affordable than purchasing the included coverages separately.
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A business owner’s policy (BOP) bundles general liability insurance with commercial property insurance. It typically costs less than purchasing these policies separately. A BOP protects small businesses against common liability risks and property damage, making it a smart and cost-effective choice for many small business owners.
A business owner's policy (BOP) is an insurance bundle that combines general liability insurance and commercial property insurance into a single policy. It is designed to protect small businesses from financial losses due to customer accidents, property damage, product liability, and more. BOPs are typically more affordable than purchasing the included coverages separately.