Getting Started

Most solo businesses can get covered the same day they apply. The quote takes about 90 seconds to complete online, and if your business qualifies, coverage can start as soon as you pay. There's no waiting period built into the process. You can also stop at the quote: it saves, there's no obligation to buy, and no commitment until you choose to get covered.

Once your policy is active, you can download your certificate of insurance right away from your dashboard, which helps when a client or venue is holding a contract until they see proof of coverage.

The application asks for basic facts about you and your business, nothing you'd need to dig through filing cabinets for. Be accurate on the service description and the revenue estimate: those two answers drive how your policy is built, and a policy that matches your real business is one that pays claims without friction.

That's it. No lengthy paperwork, and no documents to upload for most applicants. If something in your answers needs a closer look, we'll follow up with specific questions instead of sending you a form.

Pricing is per product and published as a "starting at" price, so the figures you see on the site are a floor rather than a quote. Your own price depends on what you do, how much you earn, and where you work. Riskier work costs more to insure than desk work, higher revenue generally means a higher premium because more business activity means more exposure, and location matters because claim costs differ from place to place.

The only way to get a real number is to run a quote. It takes about 90 seconds, and it's the fastest way to see what your business actually pays rather than what a starting price suggests.

Yes. Most small business insurance exists exactly for this situation. General Liability and Professional Liability protect a business of one against claims from clients and other third parties, and those claims don't care how many people you employ. A solo business often has more at stake, because there's no company balance sheet standing between a lawsuit and your personal savings.

Workers' compensation is the coverage that changes when you hire: it handles employee injuries, so it becomes relevant once someone works for you. Until then, liability coverage for the work itself is the priority.

Very often, yes. Larger clients, landlords, venues, and general contractors routinely require proof of coverage, usually a certificate of insurance showing your coverage types and limits, before they'll sign a contract or let you on site. Some contracts also ask to be listed as an additional insured on your policy.

This is one of the most common reasons solo businesses buy coverage in the first place: a contract is waiting on it. Having a policy you can produce a certificate from within minutes keeps a paperwork request from stalling paid work.

Working from home doesn't remove the need for business insurance. Homeowners and renters policies are written for personal life and usually exclude business activity. If a client is injured visiting your home office, or your business equipment is stolen, a personal policy often won't respond.

Business insurance fills that gap: General Liability covers business-related injuries wherever you work, and Business Property can cover your work equipment at home and on the move. Nothing about a home address makes your business less real to a claimant.