Small business insurance for service businesses

Service businesses are mainly exposed to claims about advice or work they delivered, so professional liability comes first. Hiscox focuses on consultants and agencies, with fast quotes; its examples for consultants come to $29.17/mo. It is weaker for trades and retail; Insurance Canopy publishes prices from $10/mo for solo service pros, varying by trade.

All 12 business insurance tools, ranked for service businesses

Tool	Fit for service business	Starts at	Pricing	Users	Integrations
HiscoxHiscoxFit 90	90	$29.17	Paid	n/a	Standalone	View
Insurance CanopyInsurance CanopyFit 88	88	$10	Paid	n/a	Instant certificates of insurance online	View
ERGO NEXT InsuranceERGO NEXT InsuranceFit 85	85	$19	Paid	n/a	Certificates shareable by link	View
Alternative BalanceAlternative BalanceFit 85	85	$22.42	Paid	n/a	Equipment and participant accident cover included	View
InsureonInsureonFit 85	85	$45	Paid	n/a	None needed	View
biBERKBerkshire Hathaway Insurance GroupFit 82	82	$27.50	Paid	n/a	None needed	View
Pet Sitters AssociatesPet Sitters AssociatesFit 80	80	$18.33	Paid	n/a	Vet costs regardless of fault, lost key cover	View
Simply BusinessSimply BusinessFit 80	80	$20	Paid	n/a	Standalone	View
The HartfordThe HartfordFit 80	80	$67.50	Paid	n/a	None needed	View
ThimbleThimbleFit 80	80	Price by quote	Paid	n/a	Standalone	View
Progressive CommercialProgressiveFit 75	75	$55	Paid	n/a	None needed	View
FLIPVeracity InsuranceFit 20	20	$25.92	Paid	n/a	Free unlimited additional insureds, certificates online	View