Here are the top-rated small business insurance providers for LLCs in the U.S. (2025), based on affordability, coverage options, and customer satisfaction:
🥇 Leading Small Business Insurance for LLCs
1. NEXT Insurance
- Best overall & cheapest general liability for LLCs — plans from
$29/month ($350/year) (moneygeek.com, nerdwallet.com). - Fully online, instant quotes, excellent for modern small businesses (insightfulcoverage.com).
2. The Hartford
- Best for professional liability (LLCs) — top score on MoneyGeek, general liability ~$68/month ($816/year) (moneygeek.com).
- Trusted customer service, fast quotes, strong financial ratings (moneygeek.com).
3. Nationwide
- Best overall general liability for LLCs with average annual cost
$560 ($47/month) (moneygeek.com). - Excellent financial strength and low complaint record (moneygeek.com).
4. Chubb
- Top choice for Business Owner Policies (BOPs)—great for property+liability bundled coverage (nerdwallet.com).
- Outstanding customer satisfaction and coverage limits (nerdwallet.com).
5. Hiscox
- Best for professional services / solos – strong E&O/cyber policies and home-based businesses (insightfulcoverage.com).
6. Thimble
- Best for short-term or event-based coverage — policies by the hour/day/month (~$66/month for LLC GL) (businessyield.com).
- Great flexibility for temp gigs or seasonal LLCs.
7. State Farm
- Top-rated customer satisfaction (J.D. Power), with personalized agent support (policyape.com).
- Offers general liability, commercial auto, BOP, workers’ comp.
8. Travelers
- Best for workers’ compensation and broad BOP coverage (money.com).
9. Progressive
- Best for commercial auto insurance, ideal for LLCs with company vehicles (insightfulcoverage.com).
10. CNA
- Best for professional services, strong in professional liability and cyber (sayind.com).
🔍 Quick Comparison
| Provider | Strengths | Best For | Estimated Cost |
|---|---|---|---|
| NEXT | Cheapest general liability | Small LLCs, instant online quotes | ~$350/year |
| Hartford | Best professional liability, responsive service | LLCs needing PL & GL coverage | ~$816/year |
| Nationwide | Strong financials, low complaints | Reliable GL with agent support | ~$560/year |
| Chubb | High-coverage BOPs, top satisfaction | LLCs needing property+liability bundle | Varies |
| Hiscox | Cyber & E&O coverage for solo/pro services | Consultants, home-based businesses | Varies |
| Thimble | On-demand flexible coverage | Short-term gigs, event-based LLCs | ~$792/year |
| State Farm | Personalized agent support | Local businesses, fleet needs | Varies |
| Travelers | Workers’ comp expertise | Employers needing comp coverage | Varies |
| Progressive | Commercial auto focus | Vehicle-dependent LLCs | Varies |
| CNA | Professional & cyber liability | Tech, professional services | Varies |
✅ Tips for Choosing
- Know your risks: General liability vs. professional liability vs. workers’ comp.
- Budget smart: NEXT and Thimble offer low-cost GL; add riders as needed.
- Consider service level: Agent-backed (Hartford, State Farm) vs. DIY online (NEXT, Thimble).
- Bundle savings: BOP policies (Chubb, Travelers) offer bundled cost-efficiency.
- Industry expertise: Use niche carriers like Hiscox for tech/professional firms or Progressive for vehicles.
🧭 Next Steps
- Get tailored quotes from a few of the top options (NEXT, Hartford, Nationwide, Chubb).
- Match coverage to your business needs (e.g. GL, E&O, workers’ comp).
- Read reviews and check financial strength (AM Best A or higher).
- Compare deductibles, limits, and add-ons before purchasing.
Let me know more about your LLC’s industry, employee count, and coverage needs—I can help you zero in on the ideal policy!
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