Small Business Insurance: Compare quotes & buy online in 10 mins

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Why do small businesses need insurance?

Think about it: Could you pay out-of-pocket for medical care if a client, customer, or employee is injured in your workplace? How about if you or someone who works for you damages a client's property? What if you were sued over a mistake you make on the job? If you answered NO to any of these, then you need business insurance.

A lawsuit without proper insurance protection can easily bankrupt any small business.

How does it work?


Provide a few details

No need for a long form application or hours on the phone. Most of our customers just take less than 10 minutes.

Get your quotes

In most cases, your quotes will be available immediately. It sometimes can take a bit longer, still less than 24 hours.

Buy online

When your quote is final, you can buy online and sign your policy electronically.

Insured instantly

Your policy will take effect immediately to provide you with instant coverage so that you can get back to your life.

Industries that we serve

Business insurance coverages

Workers' Comp Insurance

Pays for medical costs, long term care, disability benefit, death benefit, and lost wages that result from a workplace related injury or illness.Get your quote

Professional Liability / E&O / Malpractice Insurance

Covers lawsuits and settlements related to mistakes you or your employees make while doing business.Get your quote

BOP Insurance

Provides the basic insurance coverage most businesses need. Usually combines general liability, commercial property, and business interruption coverages.Get your quote

General Liability Insurance

Cover small businesses if they ever get sued by a third party for property damages, bodily injuries, or advertising injuries, and moreGet your quote

Commercial Property Insurance

Pays to repair your business property if it's damaged by things like a fire or weather event. It also covers burglaries.Get your quote

Directors & Officers (D&O) Insurance

Covers your business if directors or officers are sued because of the business decisions they make.Get your quote

Commercial Auto Insurance

Pays injury and repair costs if you or an employee has a car accident while driving for business.Get your quote

Business Interruption Insurance

Replaces lost income if your business is unable to open due to a reason covered by your insurance.Get your quote

Cyber insurance

Helps pay costs related to data breaches and cyber crimes against your business.Get your quote

How much does small businesses insurance cost?

The cost of small business insurance depends on several factors: the size of the business, both annual revenue and number of employees, the coverages, the business location, etc.

On average, small businesses pay $2,828 a year or $236 a month for all business insurance coverages that they need.

Learn more about the cost of business insurance for different coverages.

Why buy business insurance from BravoPolicy?

Great question! Here are three good reasons:
  1. You’ll probably pay less for your business insurance with BravoPolicy. Our customers save 20% on average.
  2. We can get your small business covered in about 10-15 minutes.
  3. You can manage all of your business insurance needs through our online portal. No paperwork needed. No need to wait on the phone for hours to speak to customer service.

Small business insurance FAQs

Does my company need business insurance?

Most businesses should get business insurance because the costs to pay for a single workplace injury, lawsuit, theft or other unexpected event could be enough to put them out of business.

How much and what types of business insurance coverage do I need?

It all depends on the risks your business faces. You have to take into account your industry, size of your operation, and other factors to get the coverage you need. The two coverages required by law is workers compensation insurance if you have employees, even just one, and commercial auto insurance if you use a vehicle for business purposes. General liability insurance and professional liability insurance are probably the two most popular coverages among small businesses.

How much does business insurance cost?

The price depends on many factors including your company industry, size of your business, number of employees, risks you face, and more. On average, small businesses pay about $80 a month for general liability coverage and $125 a month for workers compensation insurance

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