Best Business Interruption Insurance Firms in USA
Non-sponsored, Expert Verified and Transparently Ranked Business Interruption Insurance Firms in USA
Executive Summary
We analyzed 5 solutions. Top Recommendation: Business Insurance by Chubb scored highest due to Best for multinational and upper‑middle‑market companies with complex property and time‑element exposures. Chubb’s Customarq includes an unlimited period of indemnity with ingress/egress, utilities, new product delay, and global program capabilities [1], supported by nearly 500 in‑house risk engineers [2] and top‑ranked property claims satisfaction [3].
At a Glance
Business InsurancebyChubb
Best for: Best for multinational and upper‑middle‑market companies with complex property and time‑element exposures. Chubb’s Customarq includes an unlimited period of indemnity with ingress/egress, utilities, new product delay, and global program capabilities [1], supported by nearly 500 in‑house risk engineers [2] and top‑ranked property claims satisfaction [3].
View Full Details →Jump to section:
Chubb
Company Information
Chubb is a global insurance company providing a range of insurance products for individuals, families, and businesses in the Benelux region. They offer various insurance solutions, including liability, property, cyber, and life sciences, as well as exclusive car insurance and masterpiece insurance for individuals.
Company Overview
Company Details
Financial Information
Contact Information
Trust & Compliance
Key Value Propositions
- Exceptional service
- Customized coverage
- Award-winning claims satisfaction
Technology Stack
Industries Served
Technical Information
Summary
Chubb's Business Insurance provides comprehensive coverage options for businesses ranging from small startups to large multinational corporations. The offering includes a wide array of products, services, and industry-specific expertise to address evolving risks and ensure business continuity.
Overview
Chubb offers tailored business insurance solutions for companies of all sizes, providing protection for businesses, their employees, and reputations against industry-specific risks. With over 200 years of experience, Chubb leverages risk specialists to find the right coverage for unique business needs.
Best For
Best for multinational and upper‑middle‑market companies with complex property and time‑element exposures. Chubb’s Customarq includes an unlimited period of indemnity with ingress/egress, utilities, new product delay, and global program capabilities [1], supported by nearly 500 in‑house risk engineers [2] and top‑ranked property claims satisfaction [3].
Key Features
- Customizable insurance products (liability, cyber, property, accident & health, etc.)
- Industry-specific solutions across 30+ industry practices
- Risk engineering and consulting services
- Claims support and business income consultation
- Coverage for businesses of all sizes
- Global reach and multinational capabilities
Key Benefits
- Tailored insurance solutions for unique business needs
- Coverage for a wide range of industry-specific risks
- Access to risk specialists and nearly 500 in-house risk engineers
- World-class claims service with high satisfaction rates
- Financial strength and stability
- Strategic partnership and insights for large and multinational businesses
Who Is It For
- Small businesses (startups to established local businesses)
- Large and multinational businesses
- Businesses across 30+ specialized industries
- Companies seeking tailored risk solutions
Features & Modules
Tailored business insurance solutions
Products, services, industry expertise
Chubb’s expertise spans 30 specialized Industry Practices. Working together, our underwriters, risk and claims professionals tailor industry-specific solutions for each of our clients.
- Explore by industry: 30+ specialized industry practices
- Explore by product: Liability, cyber, property, accident and health
- Explore our services: Risk engineering, claims support, income consultation
Insuring businesses of all sizes
Small businesses at every stage look to Chubb for robust protections, world-class claims service, industry-specific knowledge and coverage options that insure against risks as they grow. Large & multinational businesses rely on Chubb for strategic partnership, insights, premium products and services, stability, financial strength and insurance industry leadership.
- Small businesses: robust protections, claims service, industry knowledge
- Large & multinational businesses: strategic partnership, insights, premium products
Business insurance excellence by the numbers
#1 Commercial lines insurer in the U.S.; 200+ years of experience; $21B claims paid globally (2023); 92% overall claims satisfaction (clients with a paid claim across 2022-2023)
- #1 Commercial lines insurer in the U.S.
- 200+ years of experience
- $21B claims paid globally (2023)
- 92% overall claims satisfaction (2022-2023)
Unique risk solutions across industries
Prepare and prevent with Chubb Risk Consulting
Chubb’s in-house network of nearly 500 risk engineers helps businesses anticipate and minimize costly exposures. The Chubb Risk Engineering Center offers services on fire protection, equipment breakdown, worker safety and more.
- Fire protection
- Equipment breakdown
- Worker safety
- Next generation risk management
Insights & expertise
Learn more about market conditions and risks that affect your industry, leverage tips and strategies for protecting your business and see Chubb’s expertise in action with white papers, articles, and success stories.
- Evolving risks for the middle market
- Insurance costs depend on 4 factors
- Navigating risks in cleanrooms
- Cold weather safety tips for employees
- 4 steps for creating a safer worksite
- When middle markets go multinational
Pricing
Insurance costs depend on factors such as business size, industry, coverage needs, and risk profile. No specific pricing is listed; see resource for more details.
Available In
Compliance
FM Global
Company Information
Company Overview
Company Details
Trust & Compliance
Key Value Propositions
- Specialized in property insurance
- Focus on loss prevention
- Proven engineering strategies
- Industry-specific expertise
Industries Served
Technical Information
Summary
FM Commercial Property Insurance provides broad, flexible coverage for commercial properties, focusing on risk management, loss prevention, and business continuity. As a mutual insurer, FM Global aligns its success with its clients, offering tailored solutions and engineering-driven risk mitigation.
Overview
FM Commercial Property Insurance is a client-owned, client-focused insurance solution that prioritizes long-term security and business resilience. FM Global offers tailored, all-risk property insurance policies, risk engineering advice, and loss prevention services, serving a significant portion of Fortune 500 companies. The offering is designed to drive business continuity and financial stability through comprehensive coverage and a partnership approach.
Best For
Best for large industrial and multinational manufacturers prioritizing property resilience and supply‑chain continuity. FM’s Time Element Select offers post‑loss choice of valuation and Contingent Time Element Extended can cover the entire supply chain [1], backed by an engineering‑led mutual serving one in four Fortune 500 companies [2].
Key Features
- The FM Advantage™ all-risk policy
- Climate resilience solutions with science-backed, data-based risk management tools
- Sustainability Select: flexible coverage for property risk and environmental responsibility
- Captives and captive cells for alternative risk transfer
- Loss prevention programs and engineering guidelines
- Broker partnerships for risk management support
- Dual delivery options for business needs
Key Benefits
- Client-owned mutual structure prioritizes long-term security
- Tailored, all-risk property insurance policies
- Risk engineering advice and support
- Sustainability support and climate resilience solutions
- Protection from loss of income following a disaster
- Comprehensive membership experience
- Business continuity and financial stability
- Access to proven risk management strategies and research
Who Is It For
- Businesses seeking commercial property insurance
- Organizations requiring risk management and loss prevention services
- Companies prioritizing business continuity and financial stability
- Fortune 500 companies (coverage provided to one in four)
- Clients interested in sustainability and climate resilience
- Businesses considering alternative risk transfer solutions (captives, captive cells)
Features & Modules
Client-owned, client-focused: that’s the FM experience
When you choose FM, you're not just choosing a policy, you're choosing a partnership—aligning your resilience with our success. As a client-owned mutual, we prioritize your long-term security over short-term gains. With our investment in research and proven risk management strategies, we engineer tailored solutions that address your unique needs, offering you a comprehensive membership experience that drives business continuity and financial stability.
The FM Advantage™ all-risk policy
Climate resilience solutions
Sustainability select
Captives
Available In
The Hartford
Company Information
The Hartford is a leading insurance company that provides a wide range of insurance products and services, including auto, home, business, and employee benefits. The company offers personalized coverage plans to meet the specific needs of its customers, and its insurance solutions are designed to protect individuals and businesses from unexpected events.
Company Overview
Company Details
Financial Information
Contact Information
Trust & Compliance
Key Value Propositions
- Over 200 years of service in the insurance industry
- Exclusive benefits and discounts for AARP members
- Strong customer ratings for claims satisfaction
Technology Stack
Industries Served
Technical Information
Social Proof
Customer Reviews
Social Links & Discovery
Summary
Business insurance, also known as commercial insurance, provides essential protection for business owners against unexpected claims and losses. The Hartford offers a range of coverages tailored to different industries and business needs, helping to keep employees safe and businesses running smoothly.
Overview
Business insurance from The Hartford helps protect business owners from unexpected losses, safeguarding assets, employees, and operations. The Hartford offers personalized coverage options for businesses of all sizes, with a strong reputation for claims service and ethical business practices.
Best For
Best for small businesses seeking one convenient policy. The Hartford’s BOP bundles property, liability, and business income with optional endorsements like off‑premises utility services [1], backed by 200+ years of experience and 1.3MM+ small business customers [1] and strong claims experience ratings [2].
Key Features
- General Liability Insurance: Covers lawsuits for negligence, bodily injury, property damage, libel, and slander
- Workers’ Compensation Insurance: Covers employee medical bills, rehabilitation, and lost wages due to work-related injuries or illnesses
- Professional Liability Insurance: Protects against claims of negligence in professional services or advice
- Commercial Property Insurance: Protects owned or rented buildings, tools, and equipment
- Commercial Auto Insurance: Covers costs of auto accidents involving business vehicles
- Cyber Insurance: Covers liability and costs related to cyber threats, data privacy, and network security
- Business Owner’s Policy (BOP): Bundles general liability, commercial property, and business income insurance
Key Benefits
- Personalized coverage options for various business types and industries
- Protection against lawsuits, property damage, employee injuries, cyber threats, and more
- Bundling options (e.g., Business Owner’s Policy) for cost savings
- Strong claims experience (4.7/5 star rating)
- Over 200 years of experience and more than 1.3 million small business customers
- Recognized as a World's Most Ethical Companies® honoree
Who Is It For
- Small businesses
- Midsize and large businesses
- Businesses that provide services or advice
- Businesses with employees
- Businesses with property or equipment
- Businesses that use vehicles for work
- Businesses that store sensitive data or run a website
Features & Modules
Business Insurance Coverage in Minutes
Get personalized coverage in just a few clicks. The Hartford has over 200 years of experience, 1.3MM+ small business customers, and is rated #1 Digital Small Business Insurer by Keynova.
- 4.7/5 Star Claims Experience
- 200+ Years Serving Customers
- 1.3MM+ Small Business Customers
- #1 Digital Small Business Insurer
Find the Right Coverage for Your Business
Interactive quiz to help businesses identify needed coverages based on industry, business activities, and location.
- Select industry
- Identify business activities (service, vehicle use, sensitive data, employees, property/equipment)
- Enter business location
Get a Quote for Business Insurance
Choose the Best Types of Business Insurance
What’s the Average Cost of a Business Insurance Policy?
Popular Professions We Cover
Examples of professions and industries covered.
- Photographers
- Landscapers
- Real Estate Agents
- Restaurant Owners
More Industries We Insure
The Hartford Business Insurance: Trusted Experience
Available In
Compliance
- Certain coverages vary by state and may not be available to all businesses.
- All Hartford coverages and services described may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc.
- Coverage and claims are subject to the terms and conditions found in the policy contract.
- Ethisphere recognized The Hartford as one of the World’s Most Ethical Companies® 16 times.
Zurich North America
Company Information
Zurich North America is a leading insurance provider specializing in commercial property and casualty insurance services. With a focus on delivering risk management solutions, they cater to a diverse range of industries and businesses across North America.
Company Overview
Company Details
Financial Information
Contact Information
Key Value Propositions
- Customized insurance solutions
- Strong claims management
- Industry-specific expertise
Technology Stack
Industries Served
Technical Information
Social Links & Discovery
Social Media
Categories
Keywords
Target Customers
Summary
Zurich Programs, via ZProgramsMatch, offers a broad selection of specialty insurance programs for unique and hard-to-place risks across many industries. The platform connects independent agents with Program Administrators who have underwriting authority for specific programs, streamlining access and communication.
Overview
ZProgramsMatch is Zurich North America's portal for specialty program insurance, providing licensed P&C insurance agents with access to a wide array of industry-specific insurance programs underwritten by Zurich. The platform enables agents to connect directly with Program Administrators to inquire about, apply for, and manage insurance programs tailored to unique and specialty risks across various industries. No Zurich appointment is required to use the portal.
Best For
Best for independent P&C agents and MGAs placing niche or specialty program business. ZProgramsMatch provides a searchable directory of Zurich‑underwritten programs and direct contact with Program Administrators, with no Zurich appointment required [1], backed by Zurich’s A+ (Superior) AM Best financial strength among main subsidiaries [2].
Key Features
- Online portal (ZProgramsMatch.com) for program discovery and inquiries
- Directory of specialty insurance programs by industry and risk type
- Direct submission of inquiries to Program Administrators
- No impact on other Zurich commission or profitability agreements
- Program Leader Magazine for industry news and updates
Key Benefits
- Access to a wide range of industry-specific insurance programs
- No Zurich appointment required to access or submit inquiries
- Direct connection to knowledgeable Program Administrators
- Programs underwritten by Zurich, an A.M. Best A+ rated company
- Streamlined inquiry and application process
- Regular updates on new and existing programs via email signup
Who Is It For
- Licensed P&C insurance agents (no Zurich appointment required)
- Independent agents and brokers
- Program Administrators
- Managing General Agents (MGAs)
- Businesses and organizations seeking specialty or industry-specific insurance solutions
Available In
Compliance
- All programs listed are underwritten by member companies of Zurich in North America, including Zurich American Insurance Company, an A.M. Best A+ rated company (as of October 2019).
- A.M. Best’s Ratings are under continuous review and subject to change and/or affirmation. For the latest Best’s Ratings and Best’s Company Reports, visit www.ambest.com.
Additional Resources
Travelers
Company Information
Travelers is a leading provider of insurance solutions, offering a wide range of personal and business insurance products to protect individuals, families, and businesses from various risks. With over 160 years of experience, Travelers is committed to helping its customers manage risks and achieve their goals.
Company Overview
Company Details
Financial Information
Contact Information
Trust & Compliance
Key Value Propositions
- Comprehensive insurance solutions
- Expertise in risk management
- Strong customer support
Technology Stack
Industries Served
Technical Information
Social Links & Discovery
Summary
Travelers Business Insurance provides comprehensive insurance solutions for businesses, including coverage for property loss, liability, employee injuries, cyber risks, and more. The offering is designed to help businesses manage the total cost of risk, comply with legal requirements, and recover quickly from unforeseen events.
Overview
Travelers Business Insurance offers a wide range of insurance products and solutions designed to help businesses of all sizes and industries manage risk, recover from unexpected events, and protect their assets, employees, and operations. With over 160 years of experience and strong financial ratings, Travelers provides tailored coverage, risk management services, and industry expertise to help companies prepare for and reduce risks.
Best For
Best for small‑to‑midsize U.S. businesses wanting budget‑friendly time‑element protection bundled with property and liability. Travelers’ BOP commonly includes business income and extra expense coverage [1], complemented by robust Risk Control services [2] and A++ (Superior) AM Best financial strength for key subsidiaries [3].
Key Features
- Commercial auto & trucking insurance
- Cyber insurance
- General liability insurance
- Management and professional liability insurance
- Property insurance
- Business owner's policy (BOP)
- Surety bonds
- Workers compensation insurance
- Business income and extra expense insurance (BIEE)
- Personal liability insurance
- Professional liability insurance
- Risk control and claims services
- Premium audit and risk management information services
Key Benefits
- Wide range of customizable insurance options to address unique business risks
- Helps manage claim costs and recover faster after unexpected events
- Supports business continuity and risk management strategies
- Financial strength and reliability (A.M. Best A++ rating for claims-paying ability)
- Access to industry expertise and risk control services
- Self-service tools for policy management and claims
Who Is It For
- Small businesses
- Large businesses
- Multinational companies
- Industry-specific businesses (e.g., construction, manufacturing, healthcare, technology, transportation, real estate, education, food services, hospitality, financial institutions, energy, auto and truck dealers, wholesale & distribution, nonprofit, public entities, marine industries, museums & fine art, propane gas distributors, equipment dealers & rentals, architects & design professionals, agribusiness, life sciences)
Features & Modules
Commercial and Business Insurance
Travelers offers a wide range of business insurance options to help companies identify and reduce risks, manage claim costs, and recover faster after unexpected events.
Small business
Reducing risk with business insurance
Travelers helps businesses manage the total cost of risk, creating a competitive advantage and supporting business growth.
Industries
Products & solutions
A variety of insurance products designed to protect businesses, including commercial auto, cyber, general liability, management and professional liability, property, BOP, surety bonds, and workers compensation.
- Commercial auto & trucking
- Cyber
- General liability
- Management and professional liability
- Property
- Small business owner's policy
- Surety bonds
- Workers compensation
Services
Essential coverages
Key coverages for small businesses, including BOP, workers compensation, cyber risk, personal liability, professional liability, business income and extra expense, and general liability.
- Business owner’s policy
- Workers compensation insurance
- CyberRisk insurance
- Personal liability insurance
- Professional liability insurance
- Business income and extra expense insurance (BIEE)
- Commercial general liability
Business insurance fundamentals
Business insurance is critical for protecting against property loss, legal claims, and employee injuries. Some coverages are required by law.
How much does business insurance cost?
Cost depends on types of insurance, coverage limits, industry, location, size, and exposures. International operations may require additional coverage.
Pricing
Business insurance costs depend on the specific types of insurance needed, coverage limits, industry, location, size, and unique exposures of the business. International operations may require additional coverage.
Available In
Security
- Travelers has an A++ (highest) rating from A.M. Best for claims-paying financial strength.
- Privacy and security statements are available at https://www.travelers.com/about-travelers/privacy-statements.
Compliance
- Some states require businesses to hold certain types of insurance to legally operate.
- Coverage availability and terms are subject to underwriting qualifications and state regulations.
- Legal entity and producer compensation disclosures are available on the Travelers website.
Data Quality & Transparency
Our Ranking Methodology
How we rank these offerings
We ranked these Business Interruption Insurance Firms in USA based on three key factors: Indemnity Period Flexibility (40% weight), Customization Options (35% weight), and Supply Chain Coverage (25% weight). Chubb scored highest because of its unlimited period of indemnity, extensive customization options through modular policies, and strong worldwide dependent premises coverage.
Ranking Criteria Weights:
Flexibility in the indemnity period is crucial to ensuring businesses can fully recover to pre-loss conditions without time constraints.
The ability to customize policies is vital for tailoring coverage to specific business risks and needs.
Comprehensive supply chain coverage is essential as it ensures protection against disruptions beyond direct damages, affecting overall business continuity.
Frequently Asked Questions
- What are the typical costs and pricing models for business interruption insurance in the USA?
- Pricing models for business interruption insurance vary based on the coverage options and company policies. Travelers' BIEE coverage and The Hartford's business income insurance are often included in Business Owner’s Policies (BOP) for a premium, whereas Chubb’s offerings provide modular options to tailor limits and extensions. Costs can depend on industry risk factors and desired coverage scope, with FM Global providing flexible valuation methods based on production or sales. Generally, premiums may also be influenced by the location, size, and nature of the business operations.
- What key factors should decision-makers consider when selecting a business interruption insurance policy?
- Decision-makers should consider the comprehensiveness of coverage, as demonstrated by Chubb’s unlimited indemnity period and global reach compared to Zurich’s streamlined coverage for mid-sized businesses. The inclusion of add-ons like Travelers' Extra Expense coverage or The Hartford's customizable endorsements can be crucial. Coverage adaptability, such as FM Global’s CTEE for supply chain resilience, is also a significant consideration. Evaluating the insurer's financial stability and claims processing efficiency can further inform the selection process.
- Are there industry standards and compliance requirements that business interruption insurance must meet?
- In the USA, business interruption insurance is generally guided by state regulations with no uniform federal standards. Policies like those offered by Travelers and The Hartford align with industry best practices by providing coverage clarity and scalability. FM Global's inclusion of contingent coverage and Zurich’s explicit documentation improvements address common compliance concerns by providing detailed terms and conditions. Adhering to industry standards, companies must also focus on transparency and thoroughness in policy definition to ensure alignment with legal requirements.
- What challenges might businesses face when implementing business interruption insurance and what are some solutions?
- Challenges include understanding complex policy terms and aligning coverage with actual business risks. Chubb's modular approach and FM Global's Time Element Select options help businesses tailor coverage to specific operational needs, mitigating confusion. Companies like Travelers offer policies integrated within broader business packages, simplifying the purchasing process. Clear communication from insurers, supported by digital tools like online BI/EE calculators from Chubb, aids in understanding coverage benefits and limitations.
- How can businesses evaluate the ROI and value delivery of their business interruption insurance policies?
- ROI evaluation for business interruption insurance involves assessing the financial protection provided against potential revenue losses during interruptions. Hartford's policy that covers continuing expenses and lost income demonstrates significant value when disruptions occur. Chubb’s policy flexibility with unlimited indemnity periods can enhance ROI by covering extended recovery times, potentially outweighing premium costs. Furthermore, FM Global’s CTEE provisions add value by securing entire supply chains, underscoring the worth of investing in comprehensive coverage over baseline options.
Our Promise: We promise to deliver the highest quality company and offering data, free from sponsored bias. We compile data from across the internet, to give the most accurate and true rankings, according to our transparent algorithms.
Free Report: Pest Control Technician Salary Data by State
Wage gap analysis across all 50 states — how pest control pay compares to HVAC, plumbing, and electrical trades, and what PCO owners should do about it.
Read the full report