Small Business Insurance Online

We analyzed the official complaint records of 07 insurers and found that Allianz and Clear Blue are the best small business insurance online companies.

A good policy will cover your small business for a wide range of problems like lawsuits, injuries to employees, stolen business property, fire and severe weather. If you’re feeling overwhelmed by all the options available, we can help you identify the best small business insurance company.

1. Allianz

Complaint Level - Extremely low

A.M. Best Financial Strength Level - A+ (Superior)

Our Expert Take

While Allianz may be better known for insuring large global enterprises, small businesses can also take advantage of its insurance industry acumen.

Provides risk consulting for all industries.
Allianz’s Crisis Management team helps businesses navigate terrorism, political violence and hostile environments.
Recognized as a Sustainable Insurer by the Dow Jones Sustainability Index in 2022 because of its work to integrate sustainability and climate actions into its global business.

2. Clear Blue Insurance

Complaint Level - Extremely low

A.M. Best Financial Strength Level - A- (Excellent)

Our Expert Take

Clear Blue provides business insurance through partner agencies, not directly to small businesses. Available coverage types include all the essentials such as general liability, inland marine, commercial property and employment practices insurance.

Operates in all states and Washington, D.C.
Specializes in providing insurance programs by partnering with managing general agencies, reinsurers and others.

3. Allstate

Complaint Level - Extremely low

A.M. Best Financial Strength Level - A+ (Superior)

Our Expert Take

You probably know Allstate for its auto and homeowners insurance but the company also sells business insurance with a stellar complaint track record. An Allstate agent can help you select the coverage that’s right for your particular business.

Covers many industries including retailers, food and beverage, medical, photographers and more.
Can provide insurance for small businesses that operate out of homes.
Website has lists of coverage types you may need based on your industry.
Offers online quotes for business owners policies.

4. Farmers Insurance

Complaint Level - Extremely low

A.M. Best Financial Strength Level - A (Excellent)

Our Expert Take

You’ll find a wide variety of commercial coverage types and the assistance of a Farmers agent.

Provides useful information on its website explaining business insurance coverage types.
Offers workplace safety videos and material, called MySafetyPoint, without extra charge to its business insurance customers.
Has online business insurance quotes.
You can submit a business insurance claim online.

5. Acuity

Complaint Level - Very low

A.M. Best Financial Strength Level - A+ (Superior)

Our Expert Take

Acuity works through local agents to provide insurance for a wide variety of businesses, from hotels to auto repair shops to retailers and restaurants.

The Acuity Nurse Helpline can facilitate access to the appropriate health care for your injured employees.
Provides on-site loss control consultation and training.
Offers a free online newsletter that addresses the specific concerns of truckers.
Has a variety of videos with insurance information for various professions, such as construction and retail.
Offers online business insurance quotes.

6. CNA

Complaint Level - Very low

A.M. Best Financial Strength Level - A (Excellent)

Our Expert Take

CNA has an excellent complaint track record. With over 300 coverage types available from CNA, you’ll have plenty of options to find the right business insurance fit.

Industries that can be covered by CNA business insurance include construction, health care, financial institutions, law firms, manufacturing and more.
CNA’s PrepWise provides a number of risk management services, such as cybersecurity awareness and ways to improve ergonomics in the workplace.
Offers a pay-as-you-go workers compensation insurance option, so that small businesses can budget better.
Has online business insurance quotes.
Offers online claims filing.

7. Travelers

Complaint Level - Very low

A.M. Best Financial Strength Level - A++ (Superior)

Our Expert Take

As one of the largest insurers for commercial insurance on our list, Travelers also boasts very few complaints about its business insurance. Its wide range of commercial insurance solutions are available through independent agents.

Offers TravPay, a pay-as-you-go workers compensation system that links your payroll directly to your workers compensation premiums, so you don’t have to guess the amount of annual payroll.
Travelers’ TravComp is a workers compensation claims system that includes a dedicated return-to-work team of nurses and claims professionals with the goal of getting employees back to work quickly.
Risk control resources include self-service material such as checklists.
A variety of online services includes bills and payment histories, certificates of insurance and checking the status of claims.