With over 1300 Classes of Business - Next Insurance is our go-to for small contractors and business owners.
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Quoting & Buying Process
Get a 100% online quote and purchase a business insurance policy in about 10 minutes by answering a few basic questions about your business and operations.
- NEXT instantly provides a customized quote with recommended coverage options. You can adjust limits, complete your purchase, and access your policy entirely online.
- If needed, there’s also the option to work with a licensed agent, though the self-service route is designed for speed and simplicity.
Certificate of Insurance (COI)
- Once the policy is purchased, you gain instant access to your Certificate of Insurance for download or sharing.
- NEXT offers 24/7 COI access through its platform, meaning you can retrieve or send certificates anytime.
- The process is designed for small businesses that need quick coverage activation and immediate documentation.
Liberty Mutual stands out as a trusted provider of comprehensive business insurance designed to protect your people, property, and operations. As one of the largest and most established insurers in the country, they offer the financial strength, stability, and broad coverage options business owners need.
What makes Liberty Mutual especially valuable is its commitment to tailored protection. Professional, licensed agents work directly with business owners to customize policies that match specific industry risks, operational needs, and budget requirements. Whether you're a growing small business or a well-established company, you can build coverage that fits your unique exposure.
Business owners also benefit from Liberty Mutual’s responsive support system, including 24/7 claims assistance. Their round-the-clock service ensures that help is always available when unexpected issues arise, providing confidence and continuity for your business.
With flexible coverage, expert guidance, and dependable support, Liberty Mutual is a strong choice for protecting your business.
Ready to get started? Call us today (844) 379-4182 for your quote.
On Demand Coverage (by the hour and up to a month)
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Quoting & Buying Process
Thimble delivers quotes in under 60 seconds, allowing you to purchase coverage and activate your policy within minutes.
- Designed for flexibility, Thimble offers on-demand coverage options: hourly, daily, monthly, annual, or by the job.
- You can easily manage policies through the mobile app or website, including modifying, pausing, or canceling coverage instantly.
- Most customers can get insured in under 5 minutes from start to finish.
Certificate of Insurance (COI)
- Thimble provides your Certificate of Insurance instantly after purchase.
- You can retrieve, download, and send unlimited COIs at no additional cost directly through the app or via email/text.
- They also allow additional Insureds and request multiple certificates instantly, keeping the process fast and user-friendly.
Why Business Insurance Matters
Business insurance plays a critical role in protecting your company from unexpected financial losses that can arise from everyday operations. Accidents, lawsuits, property damage, employee injuries, and professional errors can happen to businesses of any size, and without proper coverage, even a single claim can threaten your ability to continue operating. Business insurance helps cover legal costs, medical expenses, repair costs, and liability claims, allowing you to focus on running and growing your business with confidence. Whether you’re a sole proprietor, contractor, LLC, or growing company, having the right insurance coverage provides financial stability, protects your assets, and helps meet contractual, licensing, and client requirements.
Types of Business Insurance Coverage
Business insurance is not one-size-fits-all, and coverage needs vary based on your industry, size, and risk exposure. Common types of business insurance include general liability insurance, which helps protect against third-party bodily injury, property damage, and advertising claims, and professional liability insurance, which covers errors, omissions, or negligence related to professional services. Many businesses also carry workers’ compensation insurance to cover employee injuries, commercial auto insurance for business-owned vehicles, and business owner’s policies (BOPs) that bundle multiple coverages into a cost-effective package. Additional options such as cyber liability, tools and equipment coverage, and employment practices liability may be appropriate depending on how your business operates.
Coverage Options
How Much Business Insurance Costs
The cost of business insurance depends on several factors, including your industry, business size, annual revenue, number of employees, location, and the type of coverage you need. Lower-risk businesses may pay only a few hundred dollars per year for basic liability coverage, while higher-risk industries or businesses with employees, vehicles, or specialized services may pay more. Coverage limits, deductibles, and prior claims history also impact pricing. Comparing quotes from multiple insurance carriers helps ensure you receive competitive pricing while still maintaining the protection your business requires.
