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Operations, premises, people

Business insurance

Commercial cover is assembled rather than bought off a shelf. What a business needs depends on its industry, payroll, premises and contracts, and several lines are mandated at state level once you have employees.

Generally covers

  • 01General liability arising from operations
  • 02Commercial property and equipment
  • 03Workers compensation, where the state requires it
  • 04Professional liability and cyber, depending on the work

Worth asking

  • ?Which lines your contracts and lease oblige you to carry
  • ?How payroll and revenue drive the premium
  • ?Whether owners and contractors are included or excluded
  • ?How coverage follows you across state lines

Providers

Business providers

Carriers, agencies, brokers and marketplaces. Ordering reflects our listing priority, which compensated partners can influence — it is not a ranking of quality.

Listings are not an independent ranking. Providers marked Partner compensate OpenBrooks, which can affect whether and where they appear. Providers marked Example listing are demonstration records used while the platform is being built — they are not real businesses.

Coverage finder

Four questions, then the shortlist

Free, no account, and your answers stay in your browser — there is no name, email or phone field on this form.

What are you looking to insure?

Something else? See all coverage types.

Questions

Business, in short

Does OpenBrooks sell business insurance?
No. OpenBrooks is a discovery platform, not a carrier, agency or broker. We show you providers and you deal with them directly.
Is business coverage the same in every state?
No. Policy forms, required coverages and consumer protections are set at state level, so both the contract and the market differ from state to state. Open your state page for what applies where you are.
What should I compare?
Which lines your contracts and lease oblige you to carry; How payroll and revenue drive the premium; Whether owners and contractors are included or excluded; How coverage follows you across state lines.