Business insurance for an LLC is bought separately from forming the company: filing the LLC creates the business, and a policy covers it. You can buy from a direct carrier, from a digital-first insurer or broker that sells online, or through a matching service that connects you with providers. Ten options follow, in no particular order.
Forming your LLC is the paperwork part. Insurance is a separate purchase, and the search results throw carriers, online insurers, brokers and quote-matching sites at you as if they were all the same thing.
The ten below are listed alphabetically and in no particular order. Each description comes from the seller's own website, read 2 Nov 2026. This page shows where to buy, not what to buy: it isn't insurance advice, and I've left policy amounts out because they depend on your business.
Where LLC owners can buy cover
| Tool | Type | Good for |
|---|---|---|
| Embroker | Digital-first business insurer | Tech companies wanting industry-tailored cover |
| Insureon | Online insurance agency | Comparing quotes from several insurers at once |
| Nationwide | Large direct carrier | Commercial cover through a network of agents |
| Next Insurance | Online insurer, now ERGO NEXT | Fast online quotes tailored by profession |
| Pie Insurance | Small business insurer | Workers' compensation and commercial auto |
| Progressive Commercial | Direct carrier for business lines | Business liability and commercial vehicle cover together |
| The Hartford | Direct insurance carrier | Small businesses wanting a carrier-direct online quote |
| Thimble | Flexible online insurer | Cover by the job, month or year |
| Tivly | Insurance matching service | Getting matched with commercial insurance providers |
| Vouch | Insurance broker and risk adviser | Technology and fast-growing companies |
Ten insurers, brokers and matching services
Embroker
Best for: Technology companies that want commercial insurance tailored to their industry, with a short online quiz on the cover a tech company may need and custom quotes.
Insureon
Best for: Small business owners who want quotes from several insurance companies in one place, then to buy and manage policies online through a digital agency.
Nationwide
Best for: Businesses that want commercial cover through a network of agents, including workers' compensation, commercial packages and agribusiness lines.
Next Insurance
Best for: Self-employed people and small teams who want to quote and buy online, with policies tailored by profession; the page says it covers 1,300+ professions.
Pie Insurance
Best for: Employers whose first priority is workers' compensation, with commercial auto available from the same insurer.
Progressive Commercial
Best for: Businesses with vehicles that want liability and auto cover from one carrier; the page claims more than 30 types of business liability and vehicle cover.
The Hartford
Best for: Owners who'd rather buy straight from a carrier, with a page that explains common small business insurance types and lists the professions it covers.
Thimble
Best for: Tradespeople and freelancers who need cover for one job or a short stretch, bought online, in the app or over the phone.
Tivly
Best for: Owners who'd rather be matched than shop around, through a network the page puts at 450+ licensed commercial insurance partners.
Vouch
Best for: Startups and growing technology companies that want a broker and risk adviser with industry-specific cover and digital tools.
Carrier, online insurer or matching service?
Read the sellers' own pages side by side and they split three ways. The Hartford, Nationwide and Progressive Commercial are direct carriers selling their own policies. Next Insurance, Pie Insurance, Thimble, Embroker and Vouch sell online, as digital-first insurers or brokers. Insureon and Tivly connect you with insurers instead: the first calls itself a digital agency for small business insurance, and the second says its network has 450+ licensed commercial insurance partners.
Two details older shortlists miss. One of the online names has changed: its page now opens with 'NEXT is now ERGO NEXT Insurance, uniting digital-first innovation with Munich Re's global financial strength', so lists written before the change still use the old name. And one flexible insurer says you can get coverage by the job, month or year, which is handy if your LLC takes on short contracts.
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Why does the split matter? With a carrier you're dealing with one company's policies. With a broker or agency you can see offers from more than one insurer. With a matching service, your details go into a network of providers. None of these is wrong; they just suit different buyers.
Kinds of cover the sellers name
Across these pages, the same kinds of cover come up again and again. I've described them in general terms only, because each policy's own wording decides what it covers.
- General liability. The cover most of the small business pages above lead with.
- Professional liability. Sold to businesses that give advice or provide a professional service.
- Business owner's policy (BOP). A bundle several carriers sell to small businesses.
- Workers' compensation. One of the online insurers puts this first on its page.
- Commercial auto. For vehicles used in the business.
- Cyber cover. It turns up on the pages aimed at technology companies.
Where insurance fits after you file
An LLC separates the business from you on paper, but it doesn't buy any insurance for you. The cover a business needs depends on its state, its industry, whether it employs staff and what clients' contracts ask for, so that's a conversation for a licensed agent or broker, not a blog post.
If you're still at the filing stage, my roundup of LLC formation services covers that first step, and my list of registered agent services covers the address the state needs on file. Running a company in Britain? My UK business insurance providers list is the one to read.
Six questions before you accept a quote
- Is this company the insurer, a broker, an agency or a matching service?
- Which insurer writes the policy I'm buying?
- Does the policy cover the work my LLC does, in the states where I do it?
- Can I buy online, or will an agent need to call me first?
- Can I bundle policies, such as general liability inside a business owner's policy?
- How quickly can I get a certificate of insurance if a client asks for one?
Do you make a business insurance service? Tool makers can ask to be considered for a featured place on this list.
My plain advice for LLC owners buying insurance
Decide how you want to buy before you compare anyone. If you like dealing with one big name, maybe through a local agent, start with a carrier. If you want to quote and buy online in one sitting, try a digital-first insurer. If you'd like several offers without filling in several forms, use an agency or a matching service. Whichever route you take, read the policy wording and ask a licensed agent or broker what your business needs; this page shows where to buy, not what to buy.
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Frequently asked questions
Does forming an LLC include insurance?
No. Filing the LLC creates the business, and insurance is a separate purchase. The cover a business needs depends on its state, industry, staff and contracts, so ask a licensed agent or broker about your situation.
What's the difference between an insurer and a broker?
An insurer, or carrier, writes and sells its own policies. A broker or agency works with several insurers and helps you compare their offers. A matching service connects you with providers in its network.
Can I buy business insurance for an LLC online?
Yes. Several sellers on this list let you get a quote and buy online, and some also sell through an app or over the phone.
What is a business owner's policy?
A business owner's policy, or BOP, bundles common small business cover into one policy. Several carriers on this list sell one; check the policy wording for what it includes.
Can I get business insurance for a single job?
Some online insurers sell cover by the job, month or year, which can suit short contracts. Check the seller's own page for the professions and states it covers.
Is this list for UK businesses?
No, it's US-led, because that's where most people searching for LLC insurance are. If your company is in Britain, my UK business insurance providers list covers British insurers.
