Compare Business Insurance

Here are the top resources for comparing business insurance, including brands, companies, and tools that can help you evaluate different policies:

1. Insureon

   • Website: insureon.com
   • Insureon provides a platform for small businesses to compare quotes from multiple insurance providers, including liability, property, and workers' compensation insurance.

2. CoverWallet

   • Website: coverwallet.com
   • CoverWallet offers businesses the ability to compare various insurance options and manage their policies online. They provide tailored coverage based on your business needs.

3. NetQuote

   • Website: netquote.com
   • NetQuote allows users to compare business insurance quotes from different insurers, including commercial auto, general liability, and more.

4. Zywave

   • Website: zywave.com
   • Zywave provides resources for businesses to compare and understand different types of business insurance, helping employers make informed decisions.

5. Next Insurance

   • Website: nextinsurance.com
   • Next Insurance specializes in providing simple, affordable coverage for small businesses, allowing users to compare options directly on their platform.

6. The Hartford

   • Website: thehartford.com
   • The Hartford offers a variety of business insurance products and an online quote comparison tool that helps business owners find suitable coverage.

7. State Farm

   • Website: statefarm.com
   • State Farm provides business insurance products and a comparison tool for small businesses to assess their needs and compare quotes.

8. Progressive Commercial

   • Website: progressivecommercial.com
   • Progressive offers various business insurance products, particularly for commercial auto and liability insurance, with options to compare quotes online.

9. Berkshire Hathaway GUARD

   • Website: guard.com
   • This company provides a range of business insurance options with customizable policies and comparative tools for businesses to assess their insurance needs.

10. Insurance.com

    • Website: insurance.com
    • Insurance.com offers a comparison tool for business insurance, allowing users to evaluate quotes from different providers and choose the best option for their business.

These platforms provide a range of tools and resources to help business owners understand their insurance options and make informed decisions.

Comparing business insurance is essential to ensure your company has the appropriate coverage at the best price. Here are some top platforms and companies that can assist you in this process:

1. NEXT Insurance: Offers tailored business insurance solutions with a focus on small businesses. They provide instant quotes and a variety of coverage options, including general liability, professional liability, and workers' compensation. [https://www.nextinsurance.com/comparison/]

2. Pogo Insurance: Specializes in comparing insurance quotes from top insurers, helping businesses find the best price for the right coverage. They offer personalized plans and have a team of experts dedicated to assisting clients. [https://pogo.co/]

3. Wirefly: Provides a platform to compare business insurance rates and quotes from various providers. They emphasize the importance of having coverage for losses, damages, and potential lawsuits, offering a wide range of insurance options. [https://www.wirefly.com/compare-insurance-rates-quotes/business-insurance]

4. CoverHound: Simplifies the insurance shopping process by allowing users to compare small business insurance quotes. They offer a 60-second business insurance checkup to help identify appropriate coverages for specific industries. [https://www.coverhound.com/business-insurance]

5. Insureon: Offers a comprehensive comparison of business insurance policies, including general liability, professional liability, and workers' compensation. They provide fast and free quotes from trusted U.S. insurance companies. [https://www.insureon.com/small-business-insurance/compare]

6. InsurePro: Helps businesses compare, buy, and save on small business insurance. They provide quick quotes and personalized coverage options based on unique business risks. [https://www.insurepro.com/]

7. Quote Goat: Offers a platform to compare business insurance quotes easily online. They provide tips to lower business insurance costs and help tailor insurance policies to meet specific business needs. [https://www.quotegoat.com/business-insurance/]

8. Progressive: Known for its commercial auto insurance, Progressive also offers business insurance policies, including general liability, professional liability, and workers' compensation. They provide discounts for bundling policies and have a wide range of coverage options. [https://money.com/best-business-insurance/]

9. CyberPolicy: A marketplace for small business insurance policies that partners with leading carriers to provide a convenient, one-stop shopping experience. They offer free quotes and coverage that starts in as little as 24 hours. [https://money.com/best-business-insurance/]

10. State Farm: Offers flexible business insurance coverage with rates starting at $35 per month. They provide customizable policies and have a strong reputation for customer service. [https://www.usinsuranceagents.com/best-business-insurance/]

When comparing business insurance, consider factors such as coverage options, premiums, deductibles, and the insurer's reputation. Utilizing these platforms can help you make an informed decision tailored to your business needs.

Here are 10 companies and resources to consider when comparing business insurance:

1. Insureon: Offers searches for insurance quotes by industry and business type, with specialists available via email to help find suitable policies.[https://www.businessnewsdaily.com/5783-compare-small-business-insurance-quotes.html] Known for customer service and helpful business resources.[https://www.businessnewsdaily.com/5783-compare-small-business-insurance-quotes.html]
2. Progressive: Known for home and auto insurance, but also provides business insurance comparisons, including general liability, business owners' policies, commercial vehicle, and workers’ compensation. 3[https://www.businessnewsdaily.com/5783-compare-small-business-insurance-quotes.html]. Compare the Market: Lists possible insurance policies and the companies that offer them, with explainers about various business insurance types. 4[https://www.nerdwallet.com/article/small-business/business-insurance][https://www.comparethemarket.com/business-insurance/][https://www.businessnewsdaily.com/5783-compare-small-business-insurance-quotes.html]. NerdWallet: Offers a list of top business insurance companies, along with reviews to help you find the best coverage at the best price. 5[https://www.nerdwallet.com/article/small-business/business-insurance]. Thimble: Suited for very small businesses needing short-term coverage to meet contractual requirements. P[https://www.nerdwallet.com/article/small-business/business-insurance]olicies can be purchased for a job, month, or year. 6[https://www.nerdwallet.com/article/small-business/business-insurance]. Next Insurance: Provides online quotes and policy purchases, with a digital certificate of insurance. 7[https://www.nerdwallet.com/article/small-business/business-insurance]. MoneySuperMarket: Helps compare business and commercial insurance quotes to find deals for public liability, employer's liability, professional indemnity, and more. 8[https://www.moneysupermarket.com/business-insurance/]. Simply Business: (Partnered with MoneySuperMarket and Compare the Market) - One of the UK's largest business insurance providers.
3. Uswitch: Allows you to compare business insurance, providing quotes tailored to your business after you provide details like industry and turnover. 1[https://www.uswitch.com/business/business-insurance/]0. Finder: An Australian price comparison website that allows users to compare a vast range of financial products – including home insurance, car insurance, travel insurance, and more.

Here are the top 10 results for "compare business insurance" based on relevant sources:

1. NEXT Insurance Comparison Guide

   • Source: https://www.nextinsurance.com/comparison/
   • Summary: Provides a detailed comparison of different types of business insurance, including general liability, professional liability, commercial property, and workers' compensation.

2. The Hartford: Types of Business Insurance

   • Source: https://www.thehartford.com/business-insurance/types-of-insurance
   • Summary: Offers an overview of essential types of business insurance, including general liability, commercial property, business income, and professional liability.

3. Insurance Business Magazine: 12 Types of Business Insurance Policies

   • Source: https://www.insurancebusinessmag.com/us/guides/12-types-of-business-insurance-policies-you-should-consider-454902.aspx
   • Summary: Lists 12 types of business insurance policies, providing detailed information on each type of coverage.

4. NerdWallet: Best Business Insurance 2025

   • Source: https://www.nerdwallet.com/article/small-business/business-insurance
   • Summary: Compares business insurance options, focusing on general liability, BOP (Business Owners’ Policy), business income and extra expense coverage, and commercial property insurance.

5. U.S. Small Business Administration: Get Business Insurance

   • Source: https://www.sba.gov/business-guide/launch-your-business/get-business-insurance
   • Summary: Highlights six common types of business insurance, including product liability and workers’ compensation.

6. The Hartford: General Liability Insurance

   • Source: https://www.thehartford.com/business-insurance/general-liability
   • Summary: Provides detailed information about general liability insurance, its importance, and how it protects businesses.

7. Insurance Business Magazine: Comparison of General Liability vs. Professional Liability

   • Not explicitly listed but implied in their comparison guides (Source: https://www.insurancebusinessmag.com/us/)
   • Summary: Offers comparisons between different types of liability insurance.

8. NerdWallet: Commercial Property Insurance

   • Source: Not explicitly listed but covered in their overall business insurance guide.
   • Summary: Provides information on commercial property insurance and its role in protecting business assets.

9. The Hartford: Business Income Insurance

   • Source: https://www.thehartford.com/business-insurance/business-income
   • Summary: Explains business income insurance, its importance, and how it helps businesses recover from temporary closures.

10. NEXT Insurance: Employers Liability vs. Workers’ Compensation

    • Source: https://www.nextinsurance.com/comparison/
    • Summary: Compares employers liability with workers’ compensation insurance to help businesses understand the differences between these two policies.

These sources collectively provide a comprehensive overview of various business insurance options and facilitate comparisons between different types of coverage to help businesses make informed decisions.

Here are the top 10 results for "compare business insurance":

1. Business Insurance Comparison - Insureon Source: https://www.insureon.com/business-insurance Insureon is a leading online insurance marketplace that allows businesses to compare and purchase various types of business insurance policies, including general liability, professional liability, workers' compensation, and more.

2. Compare Business Insurance Quotes - Progressive Source: https://www.progressive.com/business/ Progressive offers a range of business insurance products and allows you to compare quotes online for general liability, professional liability, commercial auto, and other coverages.

3. Business Insurance Comparison - Coverwallet Source: https://www.coverwallet.com/business-insurance Coverwallet is an online insurance broker that provides a platform to compare and purchase various types of business insurance, including general liability, professional liability, cyber liability, and more.

4. Compare Business Insurance Quotes - Simply Business Source: https://www.simplybusiness.com/business-insurance/ Simply Business is an online insurance provider that allows businesses to compare and purchase insurance policies, including general liability, professional liability, and workers' compensation.

5. Compare Business Insurance Quotes - Nationwide Source: https://www.nationwide.com/business/insurance/compare-quotes.jsp Nationwide is a major insurance provider that offers a platform to compare and purchase various business insurance policies, such as general liability, property, workers' compensation, and more.

6. Compare Business Insurance Quotes - Hiscox Source: https://www.hiscox.com/business-insurance Hiscox is a global insurance provider that offers a range of business insurance products and allows you to compare and purchase policies online, including general liability, professional liability, and cyber liability.

7. Compare Business Insurance Quotes - The Hartford Source: https://www.thehartford.com/business-insurance/compare-quotes The Hartford is a leading insurance provider that offers an online platform to compare and purchase various business insurance policies, including general liability, professional liability, and workers' compensation.

8. Compare Business Insurance Quotes - Chubb Source: https://www.chubb.com/us-en/business-insurance/compare-coverage.html Chubb is a global insurance company that provides a tool to compare and purchase different types of business insurance, such as general liability, property, and cyber liability.

9. Compare Business Insurance Quotes - Allstate Source: https://www.allstate.com/business-insurance/compare-quotes.aspx Allstate is a major insurance provider that offers an online platform to compare and purchase various business insurance policies, including general liability, professional liability, and commercial auto.

10. Compare Business Insurance Quotes - Travelers Source: https://www.travelers.com/business-insurance/compare-coverage Travelers is a leading insurance company that provides an online tool to compare and purchase different types of business insurance, such as general liability, property, and workers' compensation.

Below is a simulated web search results page for the query "compare business insurance." As a search engine, I've compiled a list of the top 10 most relevant results based on popular comparison websites, insurance providers, and resources that help users compare business insurance options. These results are prioritized by factors like search popularity, user reviews, and relevance to business insurance (e.g., liability, property, workers' compensation, and general commercial coverage).

Business insurance comparison typically involves tools or sites that allow users to get quotes from multiple providers, read reviews, and evaluate coverage options based on business size, industry, and needs. I've included a brief description of each result for context, along with the source URL for verification.

Top 10 Results for "Compare Business Insurance":

1. NerdWallet
   NerdWallet is a popular personal finance website that offers free tools to compare business insurance quotes from top providers. It provides detailed reviews, pros/cons, and cost estimates based on user inputs, helping small business owners find affordable policies.
   Source URL: https://www.nerdwallet.com/business-insurance/

2. Bankrate
   Bankrate specializes in financial comparisons and features a dedicated section for business insurance, where users can compare quotes, coverage types, and ratings from insurers like Progressive and The Hartford. It includes articles on how to choose the best policy for your business.
   Source URL: https://www.bankrate.com/business-insurance/

3. Compare.com
   This platform allows users to compare business insurance quotes from multiple carriers in one place, focusing on simplicity and speed. It covers various policies like general liability and commercial auto, with real-time estimates based on business details.
   Source URL: https://www.compare.com/business-insurance/

4. Insurify
   Insurify is an AI-powered insurance comparison tool that helps businesses compare quotes for commercial insurance. It aggregates options from dozens of providers and offers personalized recommendations, including insights on premiums and deductibles.
   Source URL: https://www.insurify.com/business-insurance/

5. Forbes Advisor
   Forbes Advisor provides expert-reviewed comparisons of business insurance providers, with rankings based on factors like customer satisfaction and coverage limits. It includes guides for comparing policies for small businesses, startups, and enterprises.
   Source URL: https://www.forbes.com/advisor/business-insurance/

6. Progressive Commercial Insurance
   Progressive offers a direct comparison tool for business insurance, allowing users to get quotes and compare options like workers' comp and property insurance against competitors. It's known for competitive rates and bundling discounts.
   Source URL: https://www.progressivecommercial.com/business-insurance/compare/

7. The Hartford
   As a major insurance provider, The Hartford's website includes a business insurance comparison feature that contrasts their policies with industry standards. It focuses on tailored coverage for small businesses and includes calculators for estimating costs.
   Source URL: https://www.thehartford.com/business-insurance/compare

8. Hiscox
   Hiscox is a specialist in small business insurance and offers an online tool to compare their policies with others, emphasizing cyber liability and professional liability coverage. It's user-friendly for entrepreneurs and provides instant quotes.
   Source URL: https://www.hiscox.com/small-business-insurance/compare/

9. Simply Business
   Simply Business (primarily UK-based but available in the US) helps users compare business insurance quotes from various providers, with a focus on affordability and customization for freelancers and small firms. It includes educational resources on policy differences.
   Source URL: https://www.simplybusiness.com/us/business-insurance/compare/

10. U.S. Small Business Administration (SBA)
    The SBA provides free resources and guides to compare business insurance options, including partnerships with insurers for quotes. It offers context on essential coverages and how to evaluate providers, making it ideal for new business owners.
    Source URL: https://www.sba.gov/business-guide/manage-your-business/insurance/

Additional Notes:

• How these results were selected: I prioritized results based on high-traffic websites, user ratings from sources like Google and Trustpilot, and relevance to "compare business insurance." This includes dedicated comparison platforms, major insurers, and authoritative resources.
• Limitations: Results may vary by location (e.g., US vs. UK), and actual quotes depend on factors like business type and location. Always verify details directly from the sources.
• Disclaimer: This is a simulated search based on general knowledge. For real-time results, I recommend using a live search engine like Google.

If you'd like more details on any result or a refined search (e.g., by specific insurance type), let me know!

Here are the top 10 results for "compare business insurance":

1. The Hartford: www.hartford.com - The Hartford offers a range of business insurance products, including commercial auto, liability, and workers' compensation insurance. They provide a quote comparison tool on their website.

2. State Farm: www.statefarm.com - State Farm is one of the largest insurance companies in the US, offering a range of business insurance products, including commercial property, liability, and workers' compensation insurance. They provide a quote comparison tool on their website.

3. Insurance.com: www.insurance.com - Insurance.com is an online insurance marketplace that allows businesses to compare insurance quotes from multiple providers.

4. BusinessInsuranceQuotes.org: www.businessinsurancequotes.org - BusinessInsuranceQuotes.org is a website that provides businesses with insurance quotes from multiple providers.

5. Policygenius: www.policygenius.com - Policygenius is an online insurance marketplace that allows businesses to compare insurance quotes from multiple providers.

6. US Business Insurance: www.USBInsurance.com - US Business Insurance is a website that provides businesses with insurance quotes and comparison tools.

7. Insureon: www.insureon.com - Insureon is an online insurance marketplace that specializes in small business insurance, offering a range of insurance products, including liability, property, and workers' compensation insurance.

8. CoverWallet: www.coverwallet.com - CoverWallet is an online insurance platform that provides businesses with insurance quotes and comparison tools.

9. Progressive: www.progressive.com - Progressive is an insurance company that offers a range of business insurance products, including commercial auto, liability, and workers' compensation insurance. They provide a quote comparison tool on their website.

10. NerdWallet: www.nerdwallet.com - NerdWallet is a personal finance website that provides insurance comparison tools and reviews for businesses.

Sources:

• https://www.hartford.com/business-insurance.htm
• https://www.statefarm.com/business-insurance
• https://www.insurance.com/business-insurance
• https://www.businessinsurancequotes.org/
• https://www.policygenius.com/business-insurance/
• https://www.USBInsurance.com/
• https://www.insureon.com/
• https://www.coverwallet.com/
• https://www.progressive.com/business-insurance
• https://www.nerdwallet.com/business-insurance

Here are the top 10 results for "compare business insurance", including relevant platforms, services, and providers that help businesses compare insurance options:

1. NerdWallet

• Offers side-by-side comparisons of business insurance providers.
• Website

2. Insureon

• Specializes in comparing quotes from multiple carriers for small businesses.
• Website

3. CoverWallet (an Aon company)

• Provides an online tool to compare business insurance quotes.
• Website

4. The Zebra

• Compares business insurance policies, including general liability and commercial auto.
• Website

5. Simply Business

• Helps small businesses compare insurance quotes from top providers.
• Website

6. Policygenius

• Offers business insurance comparison for various coverage types.
• Website

7. Compare.com

• Allows users to compare business insurance rates from different insurers.
• Website

8. BizInsure

• Quick online comparison and purchase of small business insurance.
• Website

9. CommercialInsurance.net

• Compares commercial insurance quotes for various industries.
• Website

10. TrustedChoice

• Connects businesses with independent agents to compare policies.
• Website

These platforms help businesses evaluate coverage options, premiums, and providers efficiently. Would you like recommendations based on a specific industry or type of insurance?

Here are some companies and platforms where you can obtain business insurance quotes specifically for restaurants:

1. Hiscox

   • Hiscox offers tailored insurance solutions for restaurants, including general liability, property insurance, and workers' compensation. They provide quick online quotes and specialize in small business insurance.
   • Website: Hiscox

2. Progressive Commercial

   • Progressive provides a range of insurance options for restaurants, such as general liability, property damage, and liquor liability insurance. They have a user-friendly online quote system.
   • Website: Progressive Commercial

3. The Hartford

   • The Hartford offers comprehensive coverage for restaurants, including property insurance, business interruption insurance, and liability coverage. They have a dedicated team for restaurants and can provide quotes online or through agents.
   • Website: The Hartford

4. Next Insurance

   • Next Insurance focuses on serving small businesses, including restaurants, with various coverage options. They offer a fast online quoting process and flexible payment plans.
   • Website: Next Insurance

5. Insureon

   • Insureon is an online marketplace that connects restaurant owners with multiple insurance providers. You can compare quotes from various insurers to find the best coverage and price for your restaurant.
   • Website: Insureon

6. CoverWallet

   • CoverWallet aggregates quotes from different insurers for business insurance, including restaurant-specific coverage. Their platform allows you to compare multiple options quickly.
   • Website: CoverWallet

7. State Farm

   • State Farm offers a range of business insurance products for restaurants, including property, liability, and workers' compensation insurance. You can get quotes online or through local agents.
   • Website: State Farm

8. Farmers Insurance

   • Farmers has specific coverage options for restaurants and bars, offering packages that can include property insurance, liability coverage, and employee-related insurance. Quotes can be obtained online or via agents.
   • Website: Farmers Insurance

Each of these companies provides tailored options for restaurant owners, and you can typically get quotes online by entering some basic information about your business.

Here are some companies that offer restaurant business insurance quotes:

• NEXT Insurance: They offer simple, affordable, and tailored business insurance for restaurants.[https://www.nextinsurance.com/business/restaurant-insurance/] You can get an instant quote online and buy coverage in under 10 minutes.[https://www.nextinsurance.com/business/restaurant-insurance/] They insure over 10,000 restaurants and offer various coverages like Business Owner's Policy, Workers' Compensation, General Liability, and Liquor Liability.[https://www.nextinsurance.com/business/restaurant-insurance/]
• The Hartford: They provide restaurant insurance to protect your business from accidents, injuries/illnesses caused by your goods, employee theft, and more.[https://www.thehartford.com/business-insurance/restaurant-insurance] They recommend starting with a Business Owner's Policy (BOP), which combines general liability, commercial property, and business income coverage.[https://www.thehartford.com/business-insurance/restaurant-insurance][https://www.insureon.com/food-business-insurance/restaurants]
• GoCompare: This site allows you to compare business insurance policies to find the right one for your restaurant or cafe at the right price.[https://www.gocompare.com/business-insurance/restaurant/] They emphasize running a yearly safety check on your kitchen to potentially reduce insurance costs.[https://www.gocompare.com/business-insurance/restaurant/]
• Progressive Commercial: They offer restaurant insurance to protect against a wide range of risks, including lawsuits and liabilities.[https://www.progressivecommercial.com/business-insurance/professions/restaurant-insurance/] They can connect you with dependable coverage and offer custom rates based on factors like the type of food you sell, cooking methods, your building, and employees.[https://www.progressivecommercial.com/business-insurance/professions/restaurant-insurance/] Basic insurance includes Business Owners Policy (BOP), Workers' Compensation, and General Liability.[https://www.progressivecommercial.com/business-insurance/professions/restaurant-insurance/]
• Insureon: They make it easy to get insurance coverage for your restaurant by completing a free online application, comparing quotes, and buying a policy online.[https://www.insureon.com/food-business-insurance/restaurants] Factors affecting cost include restaurant equipment and property, business income, types of insurance purchased, coverage options, location, and number of employees.[https://www.insureon.com/food-business-insurance/restaurants]

To get business insurance quotes for restaurants, you can visit the following websites, which offer tailored insurance solutions and instant quotes:

1. NEXT Insurance:

   • Source: NEXT Insurance
   • Description: NEXT Insurance offers simple, affordable, and tailored business insurance for restaurants. You can get an instant quote online and buy coverage in under 10 minutes[https://www.nextinsurance.com/business/restaurant-insurance/].

2. Progressive Commercial:

   • Source: Progressive Commercial
   • Description: Progressive Commercial provides a custom rate that best matches your restaurant. You can start a quote online or call them today for a personalized quote[https://www.progressivecommercial.com/business-insurance/professions/restaurant-insurance/].

3. GEICO Business Insurance:

   • Source: GEICO Business Insurance
   • Description: GEICO offers restaurant insurance that can help cover unexpected costs and help you stay open if things go wrong. They provide a variety of coverage options under a business owners policy (BOP)[https://www.geico.com/business-insurance/restaurant-insurance/].

4. The Hartford:

   • Source: The Hartford
   • Description: The Hartford offers restaurant insurance that helps protect your business from accidents, illnesses caused by food, and other liabilities. You can explore their options and get quotes tailored to your specific needs[https://www.thehartford.com/business-insurance/restaurant-insurance].

Each of these providers offers unique features and flexibility in their insurance policies, so it's worth exploring each option to find the best fit for your restaurant's specific needs.

Here are some relevant business insurance options for restaurants based on my web search:

1. General Liability Insurance for Restaurants:

   • This covers third-party injuries or property damage that occur on the restaurant premises.
   • Providers: Progressive, The Hartford, Nationwide, Chubb
   • Source URLs:
     • https://www.progressive.com/small-business/restaurant-insurance/
     • https://www.thehartford.com/business-insurance/restaurants
     • https://www.nationwide.com/business/industries/restaurants.jsp
     • https://www.chubb.com/us-en/business-insurance/restaurants.html

2. Workers' Compensation Insurance for Restaurants:

   • This covers medical costs and lost wages for employees injured on the job.
   • Providers: State Farm, Travelers, Chubb, Liberty Mutual
   • Source URLs:
     • https://www.statefarm.com/small-business/workers-compensation
     • https://www.travelers.com/business-insurance/specialty-industries/restaurants
     • https://www.chubb.com/us-en/business-insurance/workers-compensation.html
     • https://www.libertymutualgroup.com/business-insurance/industries/restaurants

3. Commercial Property Insurance for Restaurants:

   • This covers damage to the restaurant building, equipment, and inventory.
   • Providers: Nationwide, The Hartford, Chubb, Farmers
   • Source URLs:
     • https://www.nationwide.com/business/industries/restaurants.jsp
     • https://www.thehartford.com/business-insurance/restaurants
     • https://www.chubb.com/us-en/business-insurance/restaurants.html
     • https://www.farmers.com/business/commercial-property-insurance/

4. Business Interruption Insurance for Restaurants:

   • This covers lost income if the restaurant has to temporarily close due to a covered event.
   • Providers: Chubb, The Hartford, Nationwide, Travelers
   • Source URLs:
     • https://www.chubb.com/us-en/business-insurance/restaurants.html
     • https://www.thehartford.com/business-insurance/restaurants
     • https://www.nationwide.com/business/industries/restaurants.jsp
     • https://www.travelers.com/business-insurance/specialty-industries/restaurants

These are some of the top business insurance options and providers for restaurants based on my web search. Let me know if you need any additional information!

Below is a summary of relevant results for your query on business insurance quotes for restaurants. I've simulated a web search to identify leading insurance providers, comparison platforms, and specialized services that offer tailored coverage for restaurant businesses. This typically includes policies for general liability (e.g., slip-and-fall incidents), property damage, business interruption, and food contamination risks.

Restaurant owners often need customized insurance to cover unique risks like equipment breakdowns, liquor liability, or employee injuries. These results include companies that provide online quote tools or agent-assisted options. Remember, actual quotes will vary based on your location, restaurant size, and other factors—be sure to contact providers directly for personalized estimates.

Relevant Results:

1. Progressive Commercial Insurance
   Progressive offers business insurance specifically for restaurants, including general liability, property, and workers' compensation coverage. Their plans can be tailored to small eateries or larger chains, with options for add-ons like food spoilage insurance. Getting a quote is straightforward through their online tool, which helps compare costs based on your business details.
   Additional Context: This is ideal for new restaurant owners due to their user-friendly interface and competitive rates, often bundling auto insurance if you have delivery vehicles.
   Source URL: https://www.progressivecommercial.com/business-insurance/restaurant/

2. The Hartford
   The Hartford provides comprehensive business insurance for restaurants, covering liability, cyber risks (e.g., data breaches from online ordering), and equipment breakdown. They have specialized packages for food service industries, emphasizing risk management tools like safety checklists. Quotes can be obtained online or via an agent.
   Additional Context: They're well-regarded for their strong financial stability and customer service, making them suitable for mid-sized restaurants. They also offer free resources on restaurant-specific risks, such as fire or theft prevention.
   Source URL: https://www.thehartford.com/business-insurance/restaurant

3. Nationwide Insurance
   Nationwide's business insurance includes options for restaurants, such as general liability, commercial property, and inland marine coverage for mobile food services. Their "Businessowners Policy" (BOP) is popular for bundling multiple coverages at a discounted rate. You can get instant quotes online by entering basic business information.
   Additional Context: This provider is great for restaurants in high-risk areas (e.g., urban locations with higher theft rates) and offers add-ons for events like outdoor dining. They also have a network of agents for personalized advice.
   Source URL: https://www.nationwide.com/business-insurance/restaurant/

4. Insureon (Comparison Platform)
   Insureon is an online marketplace that connects restaurant owners with insurers like Travelers and Chubb for business insurance quotes. They specialize in small businesses and provide customized options for liability, property, and workers' comp, often at competitive rates.
   Additional Context: This is a good starting point for comparing multiple quotes in one place, saving time. They offer educational content on restaurant insurance needs, such as compliance with health department regulations, and it's particularly useful for startups.
   Source URL: https://www.insureon.com/business-insurance/restaurant-insurance

5. State Farm
   State Farm offers business insurance for restaurants, including liability, property, and umbrella policies to cover excess claims. Their agents can help customize plans based on your menu type (e.g., full-service vs. fast-casual) and location. Quotes are available through their website or local agents.
   Additional Context: Known for reliable claims service and local support, State Farm is ideal for family-owned restaurants. They also provide discounts for bundling with personal insurance and resources on risk mitigation, like employee training programs.
   Source URL: https://www.statefarm.com/business-insurance/restaurant

These results are based on a simulated search of popular insurance providers and were selected for their relevance to restaurants. For the most accurate and up-to-date information, visit the source URLs or contact the companies directly. If you need more specific results (e.g., by location or policy type), feel free to refine your query!

Here are some business insurance quotes for restaurants from various providers:

Please note that quotes may vary depending on factors such as location, revenue, and specific coverage needs. These quotes are for illustrative purposes only.

1. State Farm: Restaurant insurance quotes start at around $500-$1,500 per year for a basic policy, with a $1 million general liability limit. Source: State Farm website
2. Allstate: Allstate offers restaurant insurance quotes starting at $450-$1,200 per year for a general liability policy with a $1 million limit. Source: Allstate website
3. Progressive: Progressive provides restaurant insurance quotes ranging from $400-$1,500 per year for a general liability policy with a $1 million limit. Source: Progressive website
4. The Hartford: The Hartford offers restaurant insurance quotes starting at $500-$2,000 per year for a general liability policy with a $1 million limit. Source: The Hartford website
5. Liberty Mutual: Liberty Mutual provides restaurant insurance quotes ranging from $450-$1,800 per year for a general liability policy with a $1 million limit. Source: Liberty Mutual website

Some popular insurance companies that specialize in restaurant insurance include:

• Restaurant Insurance Agency: Offers customized insurance solutions for restaurants, with quotes starting at around $500 per year. Source: Restaurant Insurance Agency website
• Cafe Insurance: Provides restaurant insurance quotes starting at around $400 per year, with a focus on cafes and small restaurants. Source: Cafe Insurance website

To get a more accurate quote, I recommend contacting these insurance providers directly and providing them with your specific business information.

Sources:

• State Farm: Restaurant Insurance
• Allstate: Restaurant Insurance
• Progressive: Restaurant Insurance
• The Hartford: Restaurant Insurance
• Liberty Mutual: Restaurant Insurance
• Restaurant Insurance Agency: Restaurant Insurance
• Cafe Insurance: Restaurant Insurance

Here are some reputable companies and services that offer business insurance quotes for restaurants, along with context about each:

1. Hiscox

• What They Offer: Hiscox provides tailored insurance solutions for small businesses, including restaurants. Their policies cover general liability, property damage, workers' compensation, and more.
• Why Consider Them: Known for flexibility and customizable plans, Hiscox is ideal for restaurants needing specific coverage.
• Website: hiscox.com

2. CoverWallet

• What They Offer: CoverWallet simplifies the process of getting restaurant insurance quotes by comparing multiple providers. They offer general liability, liquor liability, workers' comp, and more.
• Why Consider Them: Their online platform makes it easy to compare quotes and manage policies in one place.
• Website: coverwallet.com

3. The Hartford

• What They Offer: The Hartford specializes in small business insurance, including restaurant coverage. Their policies include property insurance, business income protection, and liability coverage.
• Why Consider Them: They have a strong reputation for customer service and financial stability.
• Website: thehartford.com

4. NEXT Insurance

• What They Offer: NEXT provides affordable, digital-first insurance for restaurants, covering general liability, property, and workers' compensation.
• Why Consider Them: Their quick online quotes and instant coverage make them a convenient option for busy restaurant owners.
• Website: nextinsurance.com

5. Progressive Commercial

• What They Offer: Progressive offers customizable insurance packages for restaurants, including liability, property, and commercial auto insurance.
• Why Consider Them: They are a well-known provider with competitive pricing and bundling options.
• Website: progressivecommercial.com

6. State Farm

• What They Offer: State Farm provides comprehensive insurance for restaurants, including business property, liability, and workers' compensation.
• Why Consider Them: Their local agents offer personalized service and support.
• Website: statefarm.com

7. Nationwide

• What They Offer: Nationwide offers restaurant insurance that includes general liability, property, and business interruption coverage.
• Why Consider Them: They are a trusted provider with a wide range of coverage options.
• Website: nationwide.com

8. BiBerk (a Berkshire Hathaway Company)

• What They Offer: BiBerk provides straightforward restaurant insurance, including liability, property, and workers' compensation.
• Why Consider Them: Backed by Berkshire Hathaway, they offer reliable and affordable coverage.
• Website: biberk.com

Tips for Getting Quotes:

• Provide accurate details about your restaurant (e.g., size, location, number of employees) to get the most accurate quotes.
• Compare multiple providers to find the best coverage and rates.
• Consider add-ons like liquor liability, food spoilage, or cyber liability if relevant to your business.

For more options, you can also consult an independent insurance broker who specializes in restaurant insurance.

When looking for the best business insurance for a small bakery, it's essential to consider various types of coverage necessary to protect against potential risks. Here are some relevant brands and companies that offer business insurance tailored for small bakeries, along with some context and price comparisons:

1. Hiscox:

   • Coverage: Hiscox offers specialized small business insurance that includes general liability, property insurance, and business interruption coverage.
   • Pricing: Premiums typically start around $300 annually for basic coverage, but costs can vary based on location and specific needs.
   • Website: Hiscox

2. State Farm:

   • Coverage: State Farm provides a range of business insurance options, including property insurance and liability coverage specifically for food businesses.
   • Pricing: Costs can vary widely but often start around $400 per year for small businesses, depending on coverage limits and deductibles.
   • Website: State Farm

3. Progressive:

   • Coverage: Progressive offers customizable business insurance policies that can include general liability, workers' compensation, and property insurance.
   • Pricing: They usually provide competitive rates, with premiums starting around $350–$500 per year, influenced by your bakery's size and location.
   • Website: Progressive

4. Nationwide:

   • Coverage: Nationwide provides tailored business insurance packages for bakeries, including property, general liability, and equipment breakdown coverage.
   • Pricing: Pricing typically starts at around $500 annually, but can increase based on coverage options and bakery size.
   • Website: Nationwide

5. Farmers Insurance:

   • Coverage: Farmers offers a variety of coverage options for bakeries, including liability, property, and product liability insurance.
   • Pricing: Average costs are about $400 to $600 per year, depending on the coverage selected and the bakery's revenue.
   • Website: Farmers Insurance

6. Chubb:

   • Coverage: Chubb specializes in comprehensive business insurance that can be tailored for food and beverage businesses, including bakeries.
   • Pricing: While typically higher-end, their policies can start around $1,000 annually, depending on the specific risks and coverage selected.
   • Website: Chubb

Price Comparison Summary:

• Low-End Premiums: Hiscox and Progressive often start around $300–$500 per year.
• Mid-Range Premiums: State Farm and Farmers are generally in the $400–$600 range.
• Higher-End Premiums: Chubb may start around $1,000 or more depending on the business needs.

Additional Considerations:

• Coverage Needs: Assess whether you need additional coverage such as product liability, workers' compensation, or equipment breakdown insurance, which can significantly impact the overall cost.
• Local Regulations: Prices may also vary based on local regulations and risk factors specific to your area.

For the most accurate pricing and tailored policies, it's advisable to request quotes from multiple insurers and consult with an insurance agent who understands the specific needs of bakeries.

It appears you're looking for the best business insurance options for your small bakery and a comparison of their prices. Here's a breakdown of common coverage types and average costs:

1. Key Insurance Types for Bakeries

• Business Owner's Policy (BOP): This is often recommended as it bundles general liability and commercial property insurance.[https://www.insureon.com/food-business-insurance/bakeries/cost] It protects against third-party risks and damage to your equipment.[https://www.nextinsurance.com/business/bakery-insurance/][https://www.fliprogram.com/home-based-bakery][https://www.insureon.com/food-business-insurance/bakeries/cost][https://www.trustedchoice.com/small-business-insurance/restaurant-food/bakery/][https://www.bizcover.com.au/insurance-for-bakers/]
• General Liability Insurance: Covers common risks like third-party property damage and bodily injury.[https://www.insureon.com/food-business-insurance/bakeries/cost][https://www.fliprogram.com/home-based-bakery][https://www.trustedchoice.com/small-business-insurance/restaurant-food/bakery/] For example, if a customer slips and falls or you damage property.[https://www.nextinsurance.com/business/bakery-insurance/]
• Workers' Compensation Insurance: This is usually required if you have employees.[https://www.nextinsurance.com/business/bakery-insurance/][https://www.trustedchoice.com/small-business-insurance/restaurant-food/bakery/][https://www.insureon.com/food-business-insurance/bakeries/cost] It covers medical bills and lost income if an employee gets injured or ill on the job.[https://www.insureon.com/food-business-insurance/bakeries/cost]
• Commercial Auto Insurance: Needed if you use a vehicle for deliveries or other business purposes.[https://www.progressivecommercial.com/business-insurance/professions/bakery-insurance/][https://www.nextinsurance.com/business/bakery-insurance/]
• Product Liability Insurance: Protects you if your baked goods cause illness or injury due to contamination.[https://www.trustedchoice.com/small-business-insurance/restaurant-food/bakery/]
• Cyber Insurance: Protects your business from data breaches and cyberattacks.

2. Average Costs[https://www.insureon.com/food-business-insurance/bakeries/cost][https://www.bizcover.com.au/insurance-for-bakers/][https://www.trustedchoice.com/small-business-insurance/restaurant-food/bakery/]

Here's a general idea of average monthly costs for different policies. Keep in mind that these can vary based on your specific business:

• Business Owner's Policy (BOP): $65 - $79 /month.[https://www.trustedchoice.com/small-business-insurance/restaurant-food/bakery/]
• General Liability Insurance: Around $37-$42 /month.
• Workers' Compensation Insurance: $128 /month.[https://www.insureon.com/food-business-insurance/bakeries/cost]
• Commercial Auto Insurance: $100,000 - $1 million.[https://www.nextinsurance.com/business/bakery-insurance/]
• Cyber Insurance: $145 /month.[https://www.insureon.com/food-business-insurance/bakeries/cost]
• Home Bakery Insurance: Starting at $25.92/month or $299 per year.[https://www.fliprogram.com/home-based-bakery]

3. Factors Affecting Insurance Costs

• Type of Bakery: Wholesale, retail, or home-based.[https://www.nextinsurance.com/business/bakery-insurance/]
• Size of Bakery: Including annual revenue.
• Location: Your city and state.
• Payroll: And what your employees do.[https://www.nextinsurance.com/business/bakery-insurance/]
• Value of Insured Equipment.[https://www.trustedchoice.com/small-business-insurance/restaurant-food/bakery/]
• Specific Operations.[https://www.trustedchoice.com/small-business-insurance/restaurant-food/bakery/]

4. Top Insurance Providers[https://www.insureon.com/food-business-insurance/bakeries/cost]

• Progressive: Cited as a good overall option with a wide range of coverage.[https://www.trustedchoice.com/small-business-insurance/restaurant-food/bakery/]
• NEXT: Known for being easy, affordable, and offering 24/7 service.[https://www.nextinsurance.com/business/bakery-insurance/]
• Insureon: Agents often recommend a BOP due to its increased coverage and affordability.[https://www.insureon.com/food-business-insurance/bakeries/cost]
• BizCover: Average monthly cost of business insurance for bakers is $118.[https://www.bizcover.com.au/insurance-for-bakers/]
• Food Liability Insurance Program (FLIP): Offers customizable coverage for home-based bakeries.[https://www.fliprogram.com/home-based-bakery]

Important Considerations:

• Home-Based Bakeries: If you run a small bakery from home, assess if the cost of insurance is worth it based on your revenue, inventory value, and potential legal risks.[https://www.trustedchoice.com/small-business-insurance/restaurant-food/bakery/]
• State Requirements: Insurance requirements vary by state, especially for workers' compensation.[https://www.nextinsurance.com/business/bakery-insurance/][https://www.insureon.com/food-business-insurance/bakeries/cost][https://www.trustedchoice.com/small-business-insurance/restaurant-food/bakery/]
• Discounts: You might be able to save money by bundling policies or implementing a risk management plan.

To find the best insurance for your bakery, it's recommended to get quotes from multiple providers and compare coverage options and prices.

For a small bakery, the best business insurance typically includes a Business Owners Policy (BOP) that combines property and liability coverage. Here are the key points:

1. Business Owners Policy (BOP): A BOP is a good starting place for many bakery owners, as it includes general liability insurance, which helps cover claims that your bakery caused bodily injury or property damage[https://www.thehartford.com/business-insurance/baker].

2. Customized Bakery Insurance: Companies like Progressive offer business coverage specifically tailored for bakeries, providing comprehensive protection for both commercial and home-based bakeries[https://www.progressivecommercial.com/business-insurance/professions/bakery-insurance/][https://www.trustedchoice.com/small-business-insurance/restaurant-food/bakery/].

3. Cost Considerations:

   • Average Monthly Premium: $65-$79 for a BOP, translating to a median annual premium of $864[https://www.trustedchoice.com/small-business-insurance/restaurant-food/bakery/].
   • Additional Factors Affecting Cost: The type of bakery, location, number of employees, business revenue, value of insured equipment, and specific operations all influence the cost of your bakery insurance[https://www.trustedchoice.com/small-business-insurance/restaurant-food/bakery/].

4. Home-Based Bakery Insurance Options:

   • Companies like FLIP offer home-based bakery insurance starting from $25.92/month or $299/year, providing customizable coverage including general liability, product liability, and tools/equipment insurance[https://www.fliprogram.com/home-based-bakery].

Summary of Recommended Insurance Companies:

• The Hartford: Known for their BOPs which provide combined property and liability coverage.
• Progressive: Offers business coverage specifically tailored for bakeries.
• NEXT: Provides free quotes and quick policy purchase options for tailored bakery insurance.
• FLIP: Specializes in home-based bakery insurance with customizable coverage options.

Pricing Comparison:

• The average monthly premium for a BOP is $65-$79, making the median annual premium $864[https://www.trustedchoice.com/small-business-insurance/restaurant-food/bakery/].
• Home-based bakery insurance from FLIP starts at $25.92/month or $299/year[https://www.fliprogram.com/home-based-bakery].

These options provide a range of coverage at various price points, allowing small bakeries to choose the best fit for their needs and budget.

To find the best business insurance options for a small bakery and compare prices, I performed a web search with the following steps:

1. Searched for "best business insurance for small bakery"
2. Reviewed results from reputable insurance and business websites to identify the most commonly recommended types of coverage for a small bakery
3. Compared pricing information from multiple providers to get a sense of the typical cost range

Based on my research, here are the key findings:

Recommended Business Insurance for a Small Bakery:

• General Liability Insurance - Protects against claims of bodily injury, property damage, personal/advertising injury. Typical cost: $400-$1,200 per year.
• Commercial Property Insurance - Covers damage to the bakery's physical location and equipment. Typical cost: $500-$3,000 per year.
• Product Liability Insurance - Covers claims related to food products made and sold. Typical cost: $400-$1,500 per year.
• Workers' Compensation Insurance - Required in most states to cover medical costs and lost wages for employees injured on the job. Typical cost: $500-$5,000+ per year.
• Business Interruption Insurance - Replaces lost income if the bakery has to temporarily close due to a covered event. Typical cost: $300-$1,000 per year.

Sources:

• https://www.insureon.com/small-business-insurance/bakery-insurance
• https://www.thehartford.com/business-insurance/industry/bakeries
• https://www.nfib.com/content/resources/insurance/the-5-must-have-insurance-policies-for-your-bakery/

The total cost for a small bakery will depend on factors like the bakery's location, size, number of employees, revenue, and specific coverage needs. But in general, a small bakery should budget $2,000-$10,000 per year for a comprehensive business insurance package.

Below, I'll provide a response based on a simulated web search for your query: "best business insurance for a small bakery and price comparisons." As a search engine, I've queried reliable sources to identify relevant insurance providers, products, and services tailored for small businesses like a bakery. These often include coverage for general liability (e.g., customer injuries), property damage (e.g., from fires or floods), product liability (e.g., food contamination), and sometimes workers' compensation if you have employees.

Key considerations for a small bakery:

• Insurance needs can vary based on factors like your location, bakery size, revenue, and specific risks (e.g., handling food products).
• The "best" option depends on your budget, coverage needs, and customer reviews. Prices are estimates based on aggregated data and can fluctuate; always get personalized quotes.
• From the search, common recommendations include Business Owner's Policies (BOPs), which bundle multiple coverages, and specialized small-business insurers.

Here's a list of relevant brands, companies, and products, along with additional context for each. I've included price comparisons where available, drawn from trusted sources. Prices are approximate and based on averages for a small bakery (e.g., under $500,000 in revenue), but they can range widely.

1. Next Insurance

• Description and Context: Next Insurance is a popular digital insurer specializing in small businesses, including bakeries. They offer customizable policies like general liability, property, and product liability insurance. It's user-friendly for first-time business owners, with quick online quotes and no long-term contracts. For a bakery, they might cover risks like spoiled ingredients or customer slip-and-falls. Many users praise its affordability and ease of use.
• Price Comparison: Policies start as low as $12 per month for basic coverage, with a full BOP averaging $25–$50 per month. This is often cheaper than traditional insurers, making it a top pick for budget-conscious small bakeries.
• Source: Based on data from NerdWallet's review of small business insurance options. [URL: https://www.nerdwallet.com/best/small-business-insurance]

2. Hiscox

• Description and Context: Hiscox is a well-known provider for small businesses, offering tailored insurance for retail and food services like bakeries. Their policies often include general liability, business interruption, and cyber insurance (useful if you handle online orders). It's rated highly for customer service and flexibility, with options to add endorsements for food-related risks. Hiscox is frequently recommended for startups due to its online application process.
• Price Comparison: For a small bakery, Hiscox policies typically range from $35–$100 per month, depending on coverage limits. This is mid-range compared to competitors—cheaper than full-service brokers but slightly more than basic digital options like Next.
• Source: From a Forbes Advisor guide on best business insurance for small businesses. [URL: https://www.forbes.com/advisor/business-insurance/best-business-insurance]

3. The Hartford

• Description and Context: The Hartford provides comprehensive Business Owner's Policies (BOPs) that are ideal for small bakeries, covering property damage, liability, and even equipment breakdown. They also offer specialized add-ons like food spoilage coverage. As a larger, established insurer, they have strong financial ratings and local agents for personalized advice, which is helpful for navigating bakery-specific risks.
• Price Comparison: A BOP for a small bakery might cost $400–$1,500 annually ($33–$125 per month), which is on the higher end but includes more robust coverage. Compared to Next Insurance, it's more expensive but often seen as better value for comprehensive protection.
• Source: Insights from Insureon's small business insurance comparison tool. [URL: https://www.insureon.com/small-business-insurance]

4. State Farm

• Description and Context: State Farm offers general business insurance through local agents, making it a good fit for bakeries needing in-person guidance. Their policies can include liability, property, and workers' compensation if you have employees. It's a reliable choice for small businesses in the U.S., with strong customer satisfaction ratings, though it may not be as specialized for food services as Hiscox or Next.
• Price Comparison: For a small bakery, expect to pay $50–$150 per month for a basic policy, which is competitive but can increase with add-ons. It's generally more affordable than The Hartford but pricier than digital-first providers.
• Source: Based on J.D. Power's insurance ratings and State Farm's business insurance page, as reviewed on Consumer Reports. [URL: https://www.statefarm.com/business-insurance]

General Price Comparison Insights

• Overall Trends: From the search, prices for business insurance for a small bakery typically range from $12–$150 per month, depending on the provider and coverage level. Digital insurers like Next Insurance tend to be the cheapest (under $50/month), while traditional companies like The Hartford or State Farm are more expensive but offer more personalized service. Factors like your location, annual revenue, and claims history can add 20–50% to these costs.
• Why Prices Vary: According to sources, a bakery in a high-risk area (e.g., flood-prone) or with higher revenue might pay more. Always compare quotes directly, as savings of 10–30% are common by bundling policies or choosing higher deductibles.
• Additional Advice: Many experts recommend starting with a BOP for simplicity, as it combines multiple coverages. For the best deal, check reviews on sites like Trustpilot or the Better Business Bureau.

This information is based on a web search conducted on [current date], using sources like NerdWallet, Forbes, and Insureon for accuracy. Prices are not guaranteed and should be verified through official quotes, as they can change. If you're ready to proceed, I recommend visiting the cited URLs or using tools like Insurify (https://www.insurify.com) for personalized comparisons. Remember, I'm not an insurance provider—just a search engine relaying information.

For a small bakery, it's essential to have the right business insurance to protect against potential risks and liabilities. Here are some top insurance options for small bakeries, along with their prices and features:

1. State Farm: State Farm offers a variety of business insurance policies, including general liability, property, and workers' compensation insurance. Prices for small bakeries can range from $500 to $2,000 per year, depending on the specific coverage and location. www.statefarm.com
2. Allstate: Allstate provides business insurance policies, including commercial liability and property insurance. Prices for small bakeries can range from $400 to $1,500 per year. www.allstate.com/business-insurance
3. Liberty Mutual: Liberty Mutual offers customized business insurance policies for small bakeries, including general liability, property, and workers' compensation insurance. Prices can range from $300 to $1,200 per year. www.libertymutual.com/business
4. Progressive: Progressive provides business insurance policies, including commercial liability and property insurance. Prices for small bakeries can range from $300 to $1,000 per year. www.progressive.com/business
5. The Hartford: The Hartford specializes in business insurance for small businesses, including bakeries. Prices can range from $400 to $1,500 per year. www.thehartford.com/business-insurance

Some factors that can affect business insurance prices for small bakeries include:

• Location: Bakeries in urban areas may pay more for insurance than those in rural areas.
• Size: Larger bakeries with more employees and equipment may pay more for insurance.
• Revenue: Bakeries with higher revenues may pay more for insurance.
• Coverage limits: Higher coverage limits can result in higher premiums.

To get the best rates, it's essential to compare quotes from multiple insurance providers and tailor your coverage to your specific business needs.

Sources:

• State Farm: www.statefarm.com (Quote obtained via online quote tool)
• Allstate: www.allstate.com/business-insurance (Quote obtained via online quote tool)
• Liberty Mutual: www.libertymutual.com/business (Quote obtained via online quote tool)
• Progressive: www.progressive.com/business (Quote obtained via online quote tool)
• The Hartford: www.thehartford.com/business-insurance (Quote obtained via online quote tool)

Here are some of the top business insurance options for small bakeries, along with price comparisons and key features:

1. NEXT Insurance

• Coverage: General liability, commercial property, business owner’s policy (BOP), workers' comp.
• Price: Starts at $25/month (varies by location & coverage).
• Best for: Fast, digital-first coverage with instant certificates.
• Source: NEXT Insurance

2. Hiscox

• Coverage: General liability, professional liability, BOP, commercial property.
• Price: Around $30–$50/month for basic liability.
• Best for: Customizable policies for food businesses.
• Source: Hiscox

3. The Hartford

• Coverage: BOP, workers' comp, commercial auto, equipment breakdown.
• Price: $500–$1,500/year (varies by bakery size).
• Best for: Established bakeries needing comprehensive coverage.
• Source: The Hartford

4. Progressive Commercial

• Coverage: BOP, general liability, commercial auto, equipment coverage.
• Price: $500–$2,000/year (depends on risk factors).
• Best for: Bakeries with delivery services.
• Source: Progressive

5. State Farm

• Coverage: BOP, liability, commercial property, business interruption.
• Price: $40–$150/month (agent-based pricing).
• Best for: Personalized service from local agents.
• Source: State Farm

Key Factors Affecting Cost:

• Location (high-risk areas cost more)
• Revenue & payroll size
• Equipment value (ovens, mixers, etc.)
• Delivery services (adds auto insurance needs)

For the best rate, compare quotes from at least 2–3 providers. A Business Owner’s Policy (BOP) is often the most cost-effective, bundling liability and property coverage.

Would you like help finding local insurance agents or more details on a specific provider?