Insureon Business Insurance Review 2025

When you need insurance for your business, it can be difficult to know which of the many carriers is the best choice. While shopping for insurance can be a hassle, it’s one or the most important steps in the early life cycle of any business. Getting the right coverages from a company you can trust is vitally important to your success as a business owner.

Insureon is a well-regarded online business insurance broker, but that doesn’t necessarily mean they’re a good fit for your company. This review will analyze Insureon’s business insurance policies to help you determine if their service is right for you.

What Is Insureon?

Insureon is an online insurance marketplace that caters primarily to small businesses and startups. Founded in 2011, it acts as a digital broker that connects business owners with a variety of insurance providers to help them find appropriate coverage for their needs. Insureon’s platform allows users to compare quotes from multiple insurance carriers, streamlining the often complex process of shopping for business insurance.

The company offers a wide range of business insurance products, including general liability, professional liability, workers’ compensation, cybersecurity, and commercial property insurance, among others. Insureon’s service combines technology with human expertise; while much of the quoting process is automated, the company also provides access to licensed insurance agents who can offer personalized advice and guidance. 

Insureon At a Glance

Pros & Cons of Insureon Business Insurance

Pros

• Insureon partners with dozens of reputable commercial insurance carriers to find the policy that perfectly fits your company’s budget and coverage requirements. Because of their status as an online insurance broker, rather than a brand-specific agency, Insureon is able to find the best deal for your business.
• Insureon receives fantastic customer reviews. In an industry that is not known for its positive client feedback, Insureon’s excellent reputation for customer satisfaction really stands out.
• Affordability is a big pro for Insureon. They have business insurance policies starting at just $21 per month, and they claim that they’re able to save a typical customer 10-20% on their commercial insurance coverage.
• Insureon’s focus is on small and home-based businesses, and as such, they truly are experts in small business insurance coverage.
• The Insureon website offers a wealth of information about commercial insurance issues that are helpful to any entrepreneur. Whether you’re an Insureon customer or not, you can still learn quite a bit from the resources on their website.

Cons

• Due to their laser-focus on small and home-based businesses, Insureon doesn’t provide coverage for midsize or large companies. Because of this, it is theoretically possible that at some point your business could outgrow the coverages provided by Insureon.
• Since Insureon is an online insurance broker and not an actual insurance carrier themselves, they do not underwrite their own policies. This means that you’re not actually purchasing Insureon branded insurance, but rather trusting their relationships with third-party insurers.

Insureon Business Insurance Products

Insureon offers a broad selection of commercial insurance policies that should suit the vast majority of small businesses. While this list isn’t exhaustive, these are the most commonly purchased forms of coverage available through Insureon:

General Liability Insurance

One of the most common policies for businesses and typically a requirement of commercial leases, general liability insurance is a policy focused primarily on common business risks. This broad policy commonly covers slip-and-fall accidents, libel and slander lawsuits, and damaged customer property, among other situations. 

Professional Liability Insurance

Professional liability insurance, also called errors and omissions (E&O) insurance, works to protect businesses in the event of a lawsuit pertaining to the business’s services. This policy generally covers work errors, professional negligence lawsuits, and project scope disputes. 

Workers’ Compensation Insurance

A requirement in most states, workers’ compensation insurance protects businesses and their workers in the event of a work-related injury or illness. This policy generally covers employee medical expenses, missed wages, and associated legal costs. 

Commercial Property Insurance 

Commercial property insurance is a relatively specific policy, covering the value of a business’s physical property and associated items. Commonly, this policy will cover property damage associated with circumstances like fire, theft or vandalism, or windstorms. 

Business Owner’s Policy

A business owner’s policy (BOP) is a combination of commercial property insurance and general liability insurance. Typically, the combination of these two policies results in lower costs for the business and includes coverage for customer injuries, damaged business property, and more. 

Cyber Insurance

This policy is an increasingly popular addition to business insurance coverage with the increasing digitization of the world. Cyber insurance, often also referred to as cyber crime insurance, generally covers data breach lawsuits, breach notification expenses, and fraud monitoring costs. 

Commercial Auto Insurance

Commercial auto insurance provides protection for business-owned vehicles. This policy generally covers car accidents, theft and vandalism, and weather damage in association with company vehicles. 

Commercial Umbrella Insurance

If a business reaches the limit of an insurance policy’s coverage, commercial umbrella insurance can provide additional coverage. This may include additional liability coverage, workers’ compensation coverage, or commercial auto coverage. 

How to Get an Insureon Quote

If you would like to see what types of policies and pricing combinations Insureon can get for your business, simply fill out the appropriate forms on their website. Within a few hours, you should hear back from an Insureon representative.

The great thing about their service is that instead of just one quote, their representatives will provide quotes from many different sources along with a number of quality coverage options for your company.

Insureon Reviews

Insureon has excellent ratings on Trustpilot, earning 4.5 out of five stars. Many of the company’s positive reviews mention satisfaction with its quick service and affordable prices. Some even state they’ve been multiple-time customers for a number of business ventures. 

Insureon responds to 100% of negative reviews in less than one week, on average. The company’s responses typically include follow-up support or additional contextual information provided to customers. 

Here are some reviews from Trustpilot by people who used Insureon for their businesses:

“Quick and easy process to get insured. Coverage and price are great too.”

“Good price and quick service. Left a number for a callback and a rep called me within an hour. I had my new policy less [than] 10 minutes later.”

“I didn’t feel that Insureon gave me the personal touch to help explain all the different policies from different providers.”

“This is my second time [using] Insureon (two businesses). I worked with Holly and her team. They were great. The process was quick and they were very responsive and accommodated my requirements for coverage.”

Insureon Alternatives

Insureon offers efficient, budget-friendly insurance coverage, but that doesn’t mean it’s the right provider for your business needs. It’s important to compare Insureon’s services with competitors’ offerings in order to determine whether or not the services match your business needs. We’ve compared Insureon with a few popular insurance platforms below to help you identify the right provider for your venture. 

NEXT Insurance vs. Insureon

NEXT Insurance and Insureon both offer online insurance solutions for small businesses, but they differ in their approach. Because NEXT Insurance is a direct insurer that underwrites and sells its own policies, the company can offer faster coverage and potentially lower prices. 

Insureon, on the other hand, is an online marketplace that partners with multiple insurance carriers. This gives customers access to a wider range of options, but the process may take longer as quotes come from different providers. Furthermore, NEXT Insurance tends to have a more streamlined, tech-forward approach with features like instant certificates of insurance and a mobile app.

Embroker vs. Insureon

Embroker offers a more modern, digitally-native platform than Insureon with features like real-time policy management and instant coverage for some products. The company also provides specialized programs for venture-backed startups.

Insureon casts a wider net in terms of industries served and may be a better fit for more traditional small businesses. While both offer online quotes, Insureon’s process often involves more human interaction. This can prove beneficial for businesses with complex insurance needs, but it may slow down the process compared to Embroker’s more automated approach.

The Hartford vs. Insureon

The Hartford is a well-established, traditional insurance company with a long history while Insureon is a newer, tech-enabled insurance marketplace. The Hartford offers its own policies directly to businesses, providing a one-stop-shop for those who prefer working with a single, reputable provider. The company has strong financial ratings and a wide range of coverage options.

Insureon’s marketplace model allows businesses to compare quotes from multiple carriers — potentially including The Hartford. This can lead to more competitive pricing and a broader range of options. However, The Hartford may offer more personalized service and it has a larger network of local agents for those who prefer face-to-face interactions.

Thimble vs. Insureon

Thimble and Insureon cater to different segments of the small business insurance market. Thimble specializes in flexible, on-demand insurance policies businesses can purchase by the hour, day, or month. This makes it particularly attractive to freelancers, gig workers, and businesses with short-term or project-based insurance needs.

Insureon offers more traditional insurance policies with standard term lengths — typically annual terms. It provides a wider range of coverage types and is better suited for established businesses looking for comprehensive, lon-term coverage. While Thimble emphasizes speed and flexibility, Insureon focuses on providing a variety of options from different carriers.

Is Insureon Right for Your Startup?

Insureon can be a good choice for startups looking to compare multiple insurance options quickly and easily online. But, is it the best choice for your business insurance needs? 

It’s particularly well-suited for:

• Startups that want to explore a wide range of coverage options and prices
• Small businesses in niche industries that may require specialized coverage
• Entrepreneurs who value the ability to speak with licensed agents for guidance

However, it may not be the best fit if:

• You need instant coverage without any waiting period
• You prefer a fully automated, tech-forward insurance experience

The bottom line? Insureon offers a convenient way for startups to shop for business insurance from multiple providers in one place. Its marketplace model can help you find competitive rates and coverage options tailored to your specific industry. However, the process may not be as fast or streamlined as some direct insurers. Consider your priorities in terms of speed, price, and personal guidance when deciding if Insureon is the right choice for your startup’s insurance needs.

Frequently Asked Questions