Business insurance search and resources

Designed for business owners

4BusinessInsurance is a focused search engine and resource center for business insurance. We combine multiple indexes, curated sources, and AI tools to surface policies, carrier pages, articles, tools, and vendors relevant to business insurance buyers and professionals. Use the search bar to find comparisons, glossaries, regulatory pages, and product listings geared to commercial needs. Part of the 4SEARCH network of topic specific search engines.

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What insurance does your business need?

Answer a few questions for a coverage checklist with the reason behind each line. Nothing you choose leaves your browser.

How to decide what your business needs →

Insurance for your industry

Coverages, requirements and common claims for 69 trades. All industries →

Look up an insurer

Contacts, ratings, lines and news. The 100 largest, ranked →

Rules in your state

Workers' comp thresholds, disability and paid leave programs, regulators.

Your state's rules Who must carry workers' comp, paid leave, auto minimums Workers' comp premium Payroll, class rates and your experience mod Check a contract Limits, additional insured, waivers, gaps Compare quotes Spot the coverage behind a cheap price

Latest stories

independent.co.uk

Insurance: the quieter enabler of the everyday

Everywhen is a Business Reporter client In a world that moves fast and demands certainty, insurance often works quietly in the background – yet it’s one of the most powerful enablers of progress. Rob Worrell, CEO of Everywhen, reminds us it’s not just insurance – it’s a partnership, a promise…

359 words

Business insurance guides by subject

All 434 guides →

Insurance by industry

All 69 industries →

Construction and trades

Food and hospitality

Retail and e-commerce

Professional services

Technology and media

Healthcare

Transportation and auto

Real estate

Personal services and fitness

Manufacturing and wholesale

Nonprofits and institutions

Agriculture

Security and staffing

Free tools for business owners

What business insurance do I need? Answer a few questions about your business and get a starting list of coverages, sorted into required, strongly recommended and worth considering. Workers' comp and benefits requirements by state Look up one state's workers' comp threshold, disability and paid leave programs, auto minimums and regulator, or compare two states side by side. Workers' comp premium calculator Build a workers' comp premium step by step from payroll, class code rates, your experience mod, credits, discounts, fees and assessments. Experience mod (EMR) calculator Recalculate an NCCI experience mod with the split-rating formula and see what each claim adds and costs over the three years it stays in your mod. Business income (interruption) limit calculator Estimate the business income limit you need after a covered loss, including extended recovery and extra expense, then test it against your coinsurance clause. Coinsurance penalty calculator See what a commercial property policy pays when your limit falls short of the coinsurance requirement, how big the penalty is and the limit that avoids it. Contract insurance requirements checker Enter what a contract, lease or subcontract requires and what your policies have, and get a gap list with the endorsements usually used to close each gap. Certificate of insurance (COI) review checklist Check a received certificate for the named insured, dates, limits, endorsements and insurer ratings. Each answer becomes a pass or a flag. Business insurance quote comparison worksheet Enter up to four quotes and see total cost, the lowest limits, highest deductibles, missing coverages, surplus lines insurers, weak ratings and exclusions. Compare business insurers Filter business insurers by type and AM Best rating, then compare up to three side by side on size, ratings, contacts, distribution and who they suit. How much umbrella coverage do I need? Score the exposures that drive large liability claims, apply any contract-required limit and check your primary limits to get a starting umbrella range. Cyber insurance readiness checklist Rate 25 security controls yes, partly or no to see your readiness score, your gaps and which controls cyber insurance applications commonly ask about. Group health insurance cost and affordability calculator Totals what a group health plan costs you and your employees, then tests employee-only affordability against the ACA safe harbors for 2026 or 2027. ACA employer mandate (ALE) calculator Tells you whether last year's headcount makes you an applicable large employer and estimates the 4980H(a) and 4980H(b) payments you could face in 2026 or 2027. Key person insurance calculator Size key person life insurance four ways, from compensation, lost profit, replacement cost and loans, and see a range and a suggested amount with the reasoning. Buy-sell agreement funding calculator Shows how many life insurance policies a cross-purchase or entity-redemption buy-sell plan needs, and the face amount of each, for up to six owners.

All 32 tools →

The largest business insurers

The top 100, explained · All profiles →
# Insurer Commercial premiums (2025) AM Best Business customer service
1 TravelersGlobal and national commercial carriers $27.13 billion A++ (Superior) 800-252-2268
2 ChubbGlobal and national commercial carriers $23.25 billion A++ (Superior) 800-682-4822
3 Liberty MutualGlobal and national commercial carriers $19.93 billion A (Excellent) 800-320-7582
4 Berkshire HathawayGlobal and national commercial carriers $18.64 billion A++ (Superior) —
5 Zurich North AmericaGlobal and national commercial carriers $14.62 billion A+ (Superior) —
6 The HartfordGlobal and national commercial carriers $14.61 billion A+ (Superior) 866-467-8730
7 AIGGlobal and national commercial carriers $14.45 billion A (Excellent) 877-867-3783
8 CNAGlobal and national commercial carriers $13.47 billion A+ (Superior) 800-262-2000
9 Progressive CommercialPersonal-lines carriers that also insure businesses $11.69 billion A+ (Superior) 800-444-4487
10 W. R. BerkleySpecialty and E&S insurers $10.24 billion A+ (Superior) —

Ranked by 2025 U.S. commercial lines direct premiums written, from NAIC market share data. Ratings are dated on each profile.

Business insurance rules by state

Requirements in every state →

The largest insurance brokers

Acrisure Grand Rapids broker and fintech group founded in 2005, with 2025 brokerage revenue of $3.75 billion, a $32 billion 2025 valuation and 2026 job cuts. Grand Rapids, Michigan Alliant Insurance Services Irvine, California specialty broker founded in 1925, ranked No. 6 worldwide with $5.72 billion of 2025 brokerage revenue and heavy private-equity backing. Irvine, California Amwins Charlotte wholesale broker and underwriting manager placing over $45 billion of premium a year; employee and investor owned, reached through a retail agent. Charlotte, North Carolina Aon Dublin-domiciled global broker with 2025 revenue of $17.2 billion across commercial risk, reinsurance, health and retirement; owns the NFP benefits arm. Dublin, Ireland Arthur J. Gallagher & Co. Illinois-based global broker founded in 1927, with 2025 revenue of $13.8 billion and a bigger U.S. middle-market arm after buying AssuredPartners in 2025. Rolling Meadows, Illinois BroadStreet Partners Columbus, Ohio partnership of independent agencies with 2025 U.S. brokerage revenue of $1.9 billion; an Ethos-led investor group joined its owners in 2025. Columbus, Ohio Brown & Brown Daytona Beach broker with 2025 revenue of $5.9 billion, retail and specialty-distribution segments, and the 2025 Accession (Risk Strategies, One80) purchase. Daytona Beach, Florida CRC Group Wholesale broker and underwriting platform formerly part of Truist; owned since May 2024 by Stone Point, CD&R and others, and reached through a retail agent. Charlotte, North Carolina

All 25 brokers →

Term of the day

Excess liability Liability coverage that pays only after the limits of underlying policies are used up, adding limit above them without necessarily broadening the terms.

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Head to head

Guides

Abuse and molestation liability coverage Why general liability policies often exclude sexual abuse claims, what standalone abuse and molestation coverage pays, and how lookback laws raise the stakes. Oct 10, 2026 The ACA employer mandate: who must offer coverage and the 2026 penalties Who is an applicable large employer, what coverage avoids the 4980H penalties, and the 2026 figures: 9.96% affordability, $3,340 and $5,010. Oct 10, 2026 ACA reporting: Forms 1094-C and 1095-C for large employers Who files Forms 1094-C and 1095-C, 2026 deadlines, the website-notice option under the Paperwork Burden Reduction Act, e-filing and penalty amounts. Oct 10, 2026 Active assailant insurance: what it covers and what standard policies miss Active assailant policies pay for crisis response, lost income and liability after an armed attack that standard property and liability forms may not reach. Oct 10, 2026 Additional insured endorsements explained What CG 20 10, CG 20 37, CG 20 26 and CG 20 38 do, how the 04 13 wording limits additional insured coverage, and why a certificate is not the endorsement. Oct 10, 2026 Admitted vs non-admitted insurers: what the difference means Admitted insurers are licensed in your state and backed by its guaranty fund. Non-admitted (surplus lines) insurers are not. What that changes for your policy. Oct 10, 2026

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