LET'S GET A QUOTEStep 1 of 520%What type of work do you do?(Required)AV Equipment Rental for EventsActing LessonsActuarial ServiceActorsAccounting/FinanceAdministrative Services ManagersAdministrative SupportAdult EducationAdvertising and Promotions ManagersAdvertising/Public RelationsAerial PhotographyAerobics InstructorAgents and Business Managers of Artists, Performers, and AthletesAllergistsAlternative HealingAnesthesiologistsAppliance Installation, Service and RepairAerospace/AviationArts/Entertainment/PublishingArchitectArt ClassesArt ConsultantsArt Space RentalsArts and Crafts StoreAssisted Living FacilitiesAutomotiveAuction HouseAudio and Video Equipment TechniciansAudiologistsAuto Body ShopAuto Parts StoreAuto Repair ShopAyurvedaBaby Gear and Furniture StoreBakeryBanjo LessonsBarberBeach Equipment RentalsBeauticianBike RentalsBike ShopBiological TechniciansBiomedical EngineersBlow Dry and Out ServicesBocce BallBookstoreBounce House and Party Inflatables RentalBowlingBridal StylistBroadcast TechniciansBuilding InspectorBuilding Sign installationBusiness ConsultingBusiness FinancingBanking/MortgageBusiness DevelopmentBusiness OpportunityClerical/AdministrativeConstruction/FacilitiesCPR and First Aid TrainingCall Center ServiceCamera and Photographic Equipment RepairersCandle StoreCandy StoresCar WashCardiologistsCardiovascular Technologists and TechniciansCareer and Technical Education TeachersCarpentryCarpet CleaningCatererCheck Cashing and Pay day LoansCircus EntertainmentClaims AdjusterClothing StoreCoffee ShopColonicsCommunity GardensCommunity Health WorkersComputer LessonsComputer Network ArchitectsComputer Network Support SpecialistsComputer ProgrammersComputer RepairComputer and Information Systems ManagersConcierge MedicineConcrete ConstructionConvenience StoresCosmetics and Beauty SupplyCosmetologistCosmetology SchoolsCostume AttendantsCostumed Character EntertainmentCraft ArtistsCredit Authorizers, Checkers, and ClerksCrisis Pregnancy CentersCrossfit InstructorConsumer GoodsCustomer ServiceDJDance InstructorDay CareDay SpasDebris RemovalDebt Relief ServicesDemonstrators and Product PromotersDental AssistantsDental HygienistsDental Laboratory TechniciansDental and Orthodontic ServicesDentistsDepartment StoresDermatologistsDiagnostic ImagingDiagnostic Medical SonographersDiagnostic ServicesDialysis ClinicsDietitians and NutritionistsDiscount StoreDoctorsDog WalkerDoor and Window Installation, Service and RepairDoulasDrywall and Wall Boarding WorkDumpster RentalE-CommerceEar Nose and ThroatEditorial ServicesEducation ConsultingEducational, Guidance, School, and Vocational CounselorsElectrical WorkElectronics StoreEmergency Management DirectorsEmployment AgenciesEndocrinologistsEndodontistsEngineerEnvironmental Science and Protection Technicians, Including HealthEnvironmental Scientists and Specialists, Including HealthEpidemiologistsEducation/TrainingEstate LiquidationEsthetician ServicesEtchers and EngraversEvent Help and Wait StaffEvent PlannerExcavation and GradingEyewear and Optician StoreEngineeringEnergy/UtilitiesFamily PracticeFamily and General PractitionersFarmers MarketFence and Gate InstallationFencing InstructorFertilityFinancial AdviserFinancial ExaminersFine Artists, Including Painters, Sculptors, and IllustratorsFabric StoreFaith-based Crisis Pregnancy CentersFitness InstructorFitness and Exercise Equipment StoreFlea MarketsFloor WaxingFloristFood BanksFood Safety TrainingFood TruckForeign Language and Literature TeachersFundraisersFuneral Service ManagersFurniture RentalFurniture StoreGarbage CollectionGastroenterologistGeneral ContractorGerontologistsGlass BlowingGlass Dealers and GlaziersGolf InstructorGraphic DesignersGrocery StoreGovernment/MilitaryGreenHVAC WorkHabilitative ServicesHair StylistHandypersonHardware StoreHealth EducatorsHealth RetreatsHealth and Wellness CoachingHearing Aid ProvidersHearing Aid SpecialistsHepatologistsHistoriansHobby ShopHome Energy AuditorsHome Health AidesHome Health CareHome InspectorsHome Window TintingHome and Garden RetailerHorse Equipment ShopHospiceHouse Cleaning and Maid ServiceHuman Resources SpecialistsHealthcareHospitality/TravelHuman ResourcesInstallation/MaintenanceIT Consulting or ProgrammingImmunodermatologistsIn Person AuctioneerIndoor Cycling InstructorInfectious Disease SpecialistsInsurance AgentInsurance AppraisersInsurance InspectorInterior DesignerInternal MedicineInternet CafesInternists, GeneralInternetJanitorial ServicesJewelry StoreJob Search AidsKids ActivitiesKnife SharpeningLaw Enforcement/SecurityLegalLaboratory TestingLand SurveyorLandscaping and Lawn CareLaundromatLaundry ServicesLegal ServiceLicensed Practical and Licensed Vocational NursesLighting StoreLoan OfficersLocksmithLogisticiansLuggage StoreManagement/ExecutiveManufacturing/OperationsMagnetic Resonance Imaging TechnologistsMakerspacesMakeup ArtistsMarketingMarriage and Family TherapistsMartial Arts InstructorMasonry WorkMassage TherapistMedical Appliance TechniciansMedical AssistantsMedical Records and Health Information TechniciansMedical Scientists, Except EpidemiologistsMedical Supplies StoreMedical and Clinical Laboratory TechniciansMedical and Health Services ManagersMeditation InstructionMental Health CounselorsMidwivesMortgage BrokerMortuary ServicesMotivational SpeakingMusic EntertainmentMusic Production ServicesMusical Instrument ServicesMusical Instruments and TeachersNail TechnicianNephrologistsNeurologistNeuropathologistsNewspaper and Magazine StoreNotaryNon-Profit/VolunteerNurse AnesthetistsNurse MidwivesNurse PractitionersNurseries and Gardening ShopNursing AssistantsObstetricians and GynecologistsOccupational Health and Safety SpecialistsOccupational TherapistsOil Change StationOncologistOphthalmologistsOptometristsOrderliesOrthodontistsOrthopedistsOsteopathic PhysiciansOther ConsultingOtologistsPacking Supplies StorePain ManagementPaint StoresPaintingPaperhangersParty Equipment RentalsPathologistsPaving and Asphalt Installation, Service and RepairPawn ShopPediatric DentistsPediatriciansPerforming ArtsPeriodontistsPersonal AssistantPersonal Care AidesPersonal Care ServicesPersonal TrainerPet BoardingPet GroomersPet StoresPet TrainingPhone or Tablet RepairPhoto Editing, Scanning and RestorationPhotographerPhysician AssistantsPilates InstructorPlastering or Stucco WorkPlay Equipment Construction and AssemblyPlumbingPodiatristsPopcorn ShopsPostal Service Mail CarriersPrenatal/Perinatal CarePressure WashingPreventive MedicinePrint Binding and Finishing WorkersPrint MediaPrinting ServicesPrivate Detectives and InvestigatorsProctologistsProduct DesignerProperty ManagerProsthodontistsPsychiatric AidesPsychiatristsPsychologistsPublic Relations SpecialistsPulmonologistPharmaceutical/BiotechProfessional ServicesQA/Quality ControlRadiation TherapistsRadio and Television AnnouncersRadiologistsReal Estate AgentReal Estate AppraisalReal Estate BrokersReal Estate InvestorRecording and Rehearsal StudiosRecycling CenterRegistered NursesRehabilitation CounselorsReikiReporters and CorrespondentsReproductive Health ServicesRespiratory TherapistsRestaurantRetail StoresRetina SpecialistsRetirement HomesRheumatologistsRoofingReal EstateRestaurant/Food ServiceRetailSafety ConsultantSalesSalespersonScavenger HuntsScreen Printing and T Shirt PrintingSeafood MarketsSecurities, Commodities, and Financial Services Sales AgentsSelf StorageSenior CentersSeptic Tank System CleaningSeptic Tank System Installation, Service and RepairScience/ResearchSkilled LaborSet and Exhibit DesignersShared Office SpacesShoe RepairShopping CenterSiding Installation, Service and RepairSignmakingSkilled NursingSleep SpecialistsSnow and Ice RemovalSocial ServicesSolar ContractorSpecialty FoodSpeech Language PathologistsSpeech TrainingSporting Goods RetailerSports CoachSports PsychologistsTailors, Dressmakers, and Custom SewersTarot and Psychic Reader EntertainmentTeeth WhiteningTelemarketing and Telesales ServicesTile, Stone, and FlooringTire ShopTitle LoansTobacco ShopToxicologistsToy StoreTraditional Chinese MedicineTraining and Development SpecialistsTranslatorTravel GuidesTutorTechnologyTelecommunicationsUltrasound Imaging CentersUmpires, Referees, and Other Sports OfficialsUrban and Regional PlannersUrologistsVascular MedicineVending Machine OperatorVenues and Event SpacesVeterinariansVideo Transfer ServicesVideo and Film ProductionVideographersVitamins and Supplements StoreVocal CoachWalk-in ClinicsWaterproofingWedding OfficiantWedding and Event InvitationsWedding and Event Venue RentalWeight Loss CentersWelding, Cutting and Metal Frame ErectionWholesalersWindow CleaningWriterYoga InstructorZumba InstructorOtherState(Required)AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces PacificEmail(Required) HiddenWhat type of insurance do you need?Save up to 10% when you bundle!Choose your Protection Options(Required)What type of insurance do you need? Save up to 10% when you bundle! Business Owner's Policy Workers Compensation General Liability Employee Benefits Commercial Property Commercial Auto Flood Insurance Commercial Umbrella Disability InsuranceSelect AllName(Required) First Last Phone(Required)Your business name (will be displayed on policy):(Required)Business Address(Required) Street Address City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code About your company(Required)What best describes your business's ownership structure? Individual / Sole Proprietorship Partnership Limited Liability Company Corporation Trust OtherWhen did you started your business?(Required)Month123456789101112Day12345678910111213141516171819202122232425262728293031Year2025202420232022202120202019201820172016201520142013201220112010200920082007200620052004200320022001200019991998199719961995199419931992199119901989198819871986198519841983198219811980197919781977197619751974197319721971197019691968196719661965196419631962196119601959195819571956195519541953195219511950194919481947194619451944194319421941194019391938193719361935193419331932193119301929192819271926192519241923192219211920Number of owners(Required)Number of employees (do not include owners, subcontractors, or independent contractors)(Required)HiddenExpected subcontractor cost in the next 12 months: Enter $0 if you do not expect to hire subcontractors.HiddenExpected subcontractor cost in the next 12 months: Enter $0 if you do not expect to hire subcontractors.Do you accept the following requirements of this policy?(Required)1. Any subcontractors you work with must carry coverage with limits greater than or equal to your own. 2. You must obtain and store a certificate of insurance from each of your subcontractors listing you as an additional insured on their policy. 3. In case of a claim related to your subcontractor, you will not be covered without this documentation 4. Your subcontractors must have all required licenses before performing work Yes NoWe don’t want to hide the fine print! While claims are handled on a case-by-case basis, this is a standard liability policy for your type of business, which means it generally won’t cover:1. Damage to your tools or equipment (that's actually Inland Marine insurance) 2. Damage to yourself, employees, or subcontractors (that's Worker's Compensation insurance)(Required)We don’t want to hide the fine print! While claims are handled on a case-by-case basis, this is a standard liability policy for your type of business, which means it generally won’t cover: 1. Damage to your tools or equipment (that's actually Inland Marine insurance) 2. Damage to yourself, employees, or subcontractors (that's Worker's Compensation insurance) I understandHiddenThe following activities will be excluded from your policy. Please confirm that you acknowledge that you will not be covered for any of the following: 1. Any damages related to abuse or molestation 2. Damage to someone else's property in your care, custody or control 3. Damages from accessing or disclosing confidential or personal information 4. Damages from foreign drywall contaminants 5. Damages from your hiring, firing, or other employment practices 6. Damages that existed before the start of the policy period or which progressed from previous damages 7. Damaging or losing electronic data 8. Exposure to fungi or bacteria 9. Exposure to lead 10. Exposure to silica or silica-related dust 11. Fines, penalties, or other punitive damages 12. Firearms Injury to employees 13. Operating or servicing any manned or unmanned aircraft or watercraft (including drones) 14. Physical or verbal violence 15. Property damage to your work or your subcontractor's work 16. Selling products, supplies, accessories, or tools that you manufacture. Products that you otherwise sell or distribute are still covered for damages to third parties 17. Serving, selling, or distributing alcohol or allowing alcohol on premises 18. Sexually transmitted diseases 19. Suing or filing claims against your co-owners, partners, or employees. 20. Working with pollutants or causing pollutionThe following activities will be excluded from your policy. Please confirm that you acknowledge that you will not be covered for any of the following: 1. Any damages related to abuse or molestation 2. Damage to someone else's property in your care, custody or control 3. Damages from accessing or disclosing confidential or personal information 4. Damages from foreign drywall contaminants 5. Damages from your hiring, firing, or other employment practices 6. Damages that existed before the start of the policy period or which progressed from previous damages 7. Damaging or losing electronic data 8. Exposure to fungi or bacteria 9. Exposure to lead 10. Exposure to silica or silica-related dust 11. Fines, penalties, or other punitive damages 12. Firearms Injury to employees 13. Operating or servicing any manned or unmanned aircraft or watercraft (including drones) 14. Physical or verbal violence 15. Property damage to your work or your subcontractor's work 16. Selling products, supplies, accessories, or tools that you manufacture. Products that you otherwise sell or distribute are still covered for damages to third parties 17. Serving, selling, or distributing alcohol or allowing alcohol on premises 18. Sexually transmitted diseases 19. Suing or filing claims against your co-owners, partners, or employees. 20. Working with pollutants or causing pollution I understand
