Insurance by industry
Insurance built around the work you do.
Pick your business to see the coverage it needs, the rules that apply and what similar businesses pay. Then compare quotes from several insurers in one application.
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Trucking and transportation
For-hire trucking, specialty hauling, delivery and passenger transport.
Box trucksCommercial auto: About $909 a monthFor owner-operators and small fleets running straight box trucks, with or without a CDL, on local delivery, expedited freight and final-mile routes.Car haulersCommercial auto: About $787 a monthFor hotshot wedge operators, high-mount haulers and stinger fleets moving cars for dealers, auctions and brokers: what coverage costs, how much cargo limit you need and which rules apply.Dump trucksCommercial auto: About $987 a monthFor owner-operators and small fleets hauling sand, gravel, aggregate and fill: what coverage costs, which rules apply and what to have ready for a quote.Flatbed truckingCommercial auto: About $816 a monthFor flatbed, step deck and lowboy carriers hauling steel, lumber, building materials and machinery: what insurance costs, which securement and liability rules apply and what to have ready.Hotshot truckingCommercial auto: About $896 a monthFor hotshot owner-operators and small fleets pulling gooseneck, flatbed or bumper-pull trailers behind Class 3 to 5 trucks, usually under their own interstate authority.Last-mile and courier deliveryCommercial auto, couriers: About $236 a monthFor courier and last-mile operators running cargo vans, step vans and small box trucks on parcel, same-day and contracted shipper routes: coverage, costs and minimums.Moving companiesCommercial auto: About $876 a monthFor local and interstate household goods movers: what coverage costs, how FMCSA cargo and released value rules shape your liability and what to have ready for a quote.New trucking authorityOwner-operator commercial auto: $816 a monthFor drivers and small fleets getting their own MC authority for the first time: the FMCSA filings and deadlines, broker minimums, typical costs and what underwriters ask for.Non-emergency medical transportation (NEMT)Commercial auto, all small businesses: $245 a monthFor non-emergency medical transportation providers running sedans, wheelchair vans and stretcher vans for Medicaid and private-pay riders: coverage, rules and cost drivers.Owner-operatorsCommercial auto: $816 a monthFor owner-operators leased onto a motor carrier or running their own USDOT and MC numbers: what to insure, what it costs and the federal rules that apply.Refrigerated (reefer) truckingFor-hire transport truck auto: $926 a monthFor owner-operators and small fleets hauling produce, meat, dairy and frozen freight: what coverage costs, when reefer breakdown pays for a spoiled load and which rules apply.Tow trucksCommercial auto: $737 a monthFor towing and recovery operators running roadside, police rotation, impound, heavy recovery and repossession work: coverage, costs and the limits rotation lists require.
Contractors and trades
Construction, specialty trades and field services.
ElectriciansGeneral liability: About $61 a monthFor licensed electricians and electrical contractors doing service, remodel, commercial and solar work: the coverage you need, what it costs and the license minimums that apply.General contractorsGeneral liability: About $162 a monthFor general contractors and builders who run residential or commercial projects and hire subs: what you need to carry, what it costs, the license rules and what underwriters ask.HVAC contractorsGeneral liability: About $101 a monthFor heating, air conditioning and refrigeration contractors doing residential service, replacements and light commercial work: the coverage you need, what it costs and the EPA and license rules.PlumbersGeneral liability: About $147 a monthFor licensed plumbers and plumbing contractors doing service, repair, remodel and new construction work: the coverage that responds to water claims, what it costs and the license rules that set minimums.Roofing contractorsGeneral liability: About $317 a monthFor re-roof and repair crews, storm restoration companies and low-slope commercial installers: the coverage roofers need, what it costs and the license and workers’ comp rules that apply.
Shops, services and offices
Restaurants, retail, professional services and other small businesses.
Auto repair shopsGeneral liability: About $54 a monthFor independent repair shops, transmission and brake specialists, quick-lube shops and mobile mechanics: the coverage for your work and customer cars, typical costs and the rules that apply.RestaurantsBusiness owner’s policy: About $337 a monthFor full-service restaurants, cafes, pizzerias and quick-service kitchens, with or without a bar: the coverage you need, typical costs, liquor and employer rules and what underwriters ask.Retail storesBusiness owner’s policy: About $95 a monthFor independent shops and small chains selling clothing, gifts, hardware, electronics, groceries and other goods: the coverage for customer falls, theft and stock, typical costs and the rules.
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