Commercial insurance, compared in about 2 minutes
Coverage that works your hours.
General liability, property, workers' comp, and more — compare business insurance quotes built around what you actually do.
- 100% free
- No obligation
- About 2 minutes
Why compare commercial quotes?
Carriers price the same business very differently — shopping multiple quotes is the fastest way to find your best rate.
Calling around
- One quote per phone call — and plenty of hold music.
- Every agent starts the same questions over from the top.
- No way to tell if the price you're offered is actually competitive.
With QuotePronto
- One two-minute form reaches our whole network of licensed agents at once.
- Answer everything once — Dash does all the running.
- Competing quotes come to you, so the best deal is easy to spot.
What commercial insurance covers
The plain-English version — so you know exactly what you're comparing before the quotes roll in.
General liability
Covers third-party claims of bodily injury or property damage — a customer slip, damage at a client site — including the cost of defending your business.
Commercial property
Protects your building, equipment, inventory, and furnishings from fire, theft, and other covered events — whether you own your space or lease it.
Workers' compensation
Pays medical bills and lost wages when an employee is injured on the job. Required in most states once you have employees.
Commercial auto
Covers vehicles owned or used by your business. Personal auto policies typically exclude business use, so work vehicles need their own coverage.
Professional liability (E&O)
Protects service businesses against claims that your work or advice caused a client financial harm — even when the claim doesn't hold up.
What shapes your rate
Carriers weigh these ingredients differently — which is exactly why two quotes for the same coverage can land far apart, and why comparing pays.
- 1
Your industry and its risks
A roofing crew and a graphic design studio face very different exposures, and premiums reflect that. Accurate classification of your work keeps you from overpaying.
- 2
Payroll and team size
Workers' comp pricing keys off payroll, and more employees generally means more exposure across the board.
- 3
Location and property
Where you operate — local weather, crime rates, building age and construction — shapes your property and liability pricing.
- 4
Limits and claims history
Higher coverage limits cost more, and past claims raise rates. Contracts and landlords often dictate minimum limits, so know what you're required to carry before you compare.
See your commercial rates, pronto.
Two minutes of questions, zero obligation — and Dash fetches the rest.
Get My Commercial QuoteCommercial insurance questions, answered
Straight answers — no fine print required.
What business insurance am I legally required to carry?
It depends on your state and industry. Most states require workers' compensation once you have employees, and business-owned vehicles need commercial auto coverage. Beyond legal requirements, landlords, lenders, and client contracts frequently require general liability or professional liability coverage.
I'm a sole proprietor working from home — do I really need coverage?
Quite possibly. Homeowners and renters policies generally exclude business activity, so business equipment, client visits, and professional mistakes usually aren't covered. A small business policy is often inexpensive relative to the gap it closes.
What's a business owner's policy (BOP)?
A BOP bundles general liability and commercial property into one policy, usually at a better price than buying them separately. It's a common starting point for small and medium businesses, with other coverages added as needed.
How much does commercial insurance cost?
There's no honest one-size answer — premiums vary widely with industry, payroll, revenue, location, and limits. That's precisely why comparing quotes matters more for businesses than almost anyone else: the spread between carriers can be substantial.
Also worth a sniff
While Dash is fetching, these coverages pair nicely with commercial.