Small business insurance for trades and contractors

Contractors need liability and workers' comp in place fast, often with a certificate before they can start a job. ERGO NEXT Insurance quotes online from $19/mo and issues COIs instantly. It does not cover every state and trade, and higher risk classes are referred out; Progressive Commercial is strong for vehicles from $55/mo.

All 12 business insurance tools, ranked for trades and contractors

Tool	Fit for trades or contractor	Starts at	Pricing	Users	Integrations
ERGO NEXT InsuranceERGO NEXT InsuranceFit 95	95	$19	Paid	n/a	Certificates shareable by link	View
Progressive CommercialProgressiveFit 88	88	$55	Paid	n/a	None needed	View
Simply BusinessSimply BusinessFit 85	85	$20	Paid	n/a	Standalone	View
biBERKBerkshire Hathaway Insurance GroupFit 85	85	$27.50	Paid	n/a	None needed	View
InsureonInsureonFit 85	85	$45	Paid	n/a	None needed	View
ThimbleThimbleFit 85	85	Price by quote	Paid	n/a	Standalone	View
The HartfordThe HartfordFit 80	80	$67.50	Paid	n/a	None needed	View
Insurance CanopyInsurance CanopyFit 70	70	$10	Paid	n/a	Instant certificates of insurance online	View
HiscoxHiscoxFit 55	55	$29.17	Paid	n/a	Standalone	View
Alternative BalanceAlternative BalanceFit 25	25	$22.42	Paid	n/a	Equipment and participant accident cover included	View
Pet Sitters AssociatesPet Sitters AssociatesFit 20	20	$18.33	Paid	n/a	Vet costs regardless of fault, lost key cover	View
FLIPVeracity InsuranceFit 10	10	$25.92	Paid	n/a	Free unlimited additional insureds, certificates online	View