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Business Insurance
6 lines · 30+ carriers compared

Business insurance, all lines. Free broker. We don't charge you.

We act as a full-service insurance broker for businesses: General Liability, Professional Liability (E&O), Cyber Liability, Directors & Officers, Key Person Life, and Small Group Health. We compare 30+ carriers, route based on industry fit, and stay involved through bind, certificate issuance, and renewals. Carriers pay our commission; you pay only the policy premium.

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All 50 states + DC 60-day money-back SOC 2 Type II
All services

All business insurance lines.

From the GL policy your landlord requires through the D&O policy your VC requires. We compare carriers and route based on industry fit.

Foundational coverage

Most businesses need
General Liability
From $40/mo
Bodily injury, property damage, advertising
Use case: Required by landlords, clientsLearn more →
Professional Liability (E&O)
From $500/yr
Errors and omissions for service businesses
Use case: Consultants, SaaS, agenciesLearn more →

Tech + funded startup

Modern business coverage
Cyber Liability
From $500/yr
Breach, ransomware, business interruption
Use case: Tech, SaaS, data-holding businessesLearn more →
D&O Insurance
From $3,000/yr
Directors and officers protection
Use case: Series A+, VC-requiredLearn more →

Founder + team

Protection for people
Key Person Insurance
From $500/yr
Life insurance on critical persons
Use case: Lender requirement, buy-sell fundingLearn more →
Small Group Health
$7K-$9K/employee
2-50 employees, major carriers
Use case: Employee benefitsLearn more →
Why use us as your broker

Insurance broker, on your side. Always.

30+ carrier panel

Major and specialty carriers compared simultaneously: Hiscox, Travelers, Hartford, Liberty Mutual, Chubb, AIG, Coalition, Vouch, Beazley, plus 20+ others. Different carriers favor different industries; we route to the best fit.

Industry-specific routing

Tech businesses: Coalition, Vouch (cyber + E&O bundle). Healthcare: specialty HIPAA-aware carriers. Construction: surety-focused carriers. Each industry has carriers that understand it.

Same-day certificate

Most landlords and clients require certificate of insurance (COI) immediately. We issue same-day after bind, with additional insured endorsements for specific parties.

Coordinated renewals

Annual renewals coordinated across all lines. We re-shop the market at renewal to confirm current carrier is still best fit. Negotiate rate increases.

Claim support

When a claim happens, we coordinate with the carrier's claims team. Status updates, paperwork support, escalation if needed.

No commission rebates needed

Some brokers rebate part of commission to win business. We do not, because carriers compete on policy value. Better policies for the same premium.

FAQ

About Business Insurance.

How does the broker get paid?
Carriers pay broker commissions on policies sold (typically 10-15% of premium). The premium you pay is the same whether you buy direct or through a broker. We are free to you.
Should I get all my insurance through one broker?
Yes for most businesses. Single broker = coordinated renewals, one point of contact, consistent advice across lines. Bundle relationships save time and prevent gaps.
When do I need each type?
GL: most businesses, required by landlords. E&O: service businesses. Cyber: tech and data-holding businesses. D&O: post-Series A. Key Person: lender requirement or buy-sell agreement. Group Health: 2-50 employees offering benefits.
What about umbrella coverage?
Commercial umbrella ($1M-$5M extra over GL and other policies) is common above $1M GL. Adds protection at low cost. We quote with the rest of your package.
Workers comp?
Workers compensation handled separately due to state-specific requirements. We refer to specialized workers comp carriers in your state.
Can I switch brokers?
Yes. Letter of broker change to current broker; new broker takes over at renewal. No mid-term changes typically (carriers cooperate with current broker through policy term).

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Bundle & save

Recommended add-ons

Most customers add these to keep their business compliant year-round.

Multi-policy Bundle Discount

Best value

Bundle 2+ policies for ~15% off premiums.

Save 15% bundle Add →

Annual Coverage Review

We re-shop your policies yearly so you don't overpay.

$0 with policy Add →

Compliance Monitoring

Track renewal dates and certificate of insurance requests.

$19 /month Add →
Why File.Business

Premium compliance, no service-fee markup.

Trust you can verify

SOC 2 Type II audited platform. 220,000+ businesses served. 60-day money-back on service fees. State fees passed through at cost with no hidden markup. Explicit AUP on restricted industries.

A compliance partner, not a transaction

Most providers go quiet after checkout. We auto-track every annual report, registered agent renewal, and license deadline across your entities. The Business OS dashboard keeps your compliance score visible year-round.

Premium experience competitors cannot match

Premium positioning, transparent pricing, no service-fee markup on state or federal filings. Premium positioning, transparent pricing, no service-fee markup on state filings.

Start your business in the next 5 minutes.

No state-fee markup. Pay only the state fee. 60-day money-back guarantee.

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