Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 11, 2026.
GENERAL LIABILITY
Insurance Services $20/month for general liability
WHY IT MATTERS
Why Insurance Services need business insurance
Insurance services businesses can face claims involving professional mistakes, visitor injuries, and employee accidents. Separate coverage lines address different risks, so the right mix depends on how your business operates.
SCENARIO 1
A client alleges a professional error
A client claims that an error in your services caused a financial loss. Professional liability insurance may help cover errors and defense when the claim falls within the policy.
SCENARIO 2
A visitor is injured at your office
A visitor slips in your reception area and seeks payment for an injury. General liability insurance may help address the resulting covered claim.
SCENARIO 3
An employee is hurt at work
An employee is injured while performing a work task. Workers' compensation insurance may help cover the employee according to the policy and applicable requirements.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Services provided
Advisory work, claims support, and other client-facing services can increase professional exposure and may raise the quote.
Revenue and client activity
More revenue or client activity can indicate greater exposure, which may increase the quoted rate.
Employees and payroll
A larger team or higher payroll can increase the workers' compensation portion of a business insurance quote.
Claims history
Prior claims can signal greater future risk and may result in higher rates or different terms.
Limits and deductibles
Higher limits or lower deductibles can increase cost, while different selections change how much risk the business retains.
Office and business property
The location type, property values, and equipment included in a Business Owners Policy can affect its quote.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
For a national insurance services business, rates and requirements vary by state and by carrier.
State requirements
Requirements can differ by state, particularly for businesses with employees or operations in more than one state.
Carrier underwriting
Rates, eligibility, and policy terms vary by carrier based on how each one evaluates the business.
Operating footprint
Serving clients or maintaining offices across multiple states can add underwriting complexity and affect available terms.
809
Quotes analyzed
45
States represented
4
Coverage lines
BEST RATE
How to get the best rate
Organize business details
Gather current revenue, payroll, employee, service, and claims information before requesting a quote.
Describe services precisely
Separate advisory work, administrative support, claims activity, and other services so underwriting reflects what you actually do.
Document your controls
Keep written procedures for client approvals, recordkeeping, quality checks, and complaint handling.
Review limits and deductibles
Use your contracts and risk tolerance to select appropriate limits and a deductible the business can manage.
FAQ
Common questions
What business insurance should an insurance services business consider?
Common options include professional liability insurance, general liability insurance, workers' compensation insurance, and a Business Owners Policy. The appropriate combination depends on your services, employees, property, contracts, and operating footprint.
Are general liability insurance and professional liability insurance the same?
No, they address different types of claims. General liability insurance can respond to covered third-party injury or property damage claims, while professional liability insurance can address covered allegations involving errors in professional services.
What affects an insurance services business insurance quote?
Services, revenue, client activity, employees, payroll, claims history, limits, deductibles, and business property can affect a quote. Rates and underwriting terms also vary by state and by carrier.
How should I choose policy limits?
Choose limits based on your contracts, services, assets, and potential claim exposure. A specific limit is not universal, and your own agreements may set coverage expectations.
How can I get a business insurance quote?
You can get a free business insurance quote through Tivly. At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work.