Step 3: Choose Your Core Policy
Most LLCs start with general liability or a BOP. Add professional liability if your LLC provides advice, technology, or professional services. Add workers’ comp the moment you hire your first employee.
Step 4: Request Quotes From at Least Three Providers
Compare Next Insurance, The Hartford, and Hiscox as a baseline. If you need commercial auto, add Progressive. Use each provider’s online quoting tool for same-day results.
Step 5: Review, Bind, and File Proof of Coverage
Read your certificate of insurance (COI) carefully for exclusions before signing. Provide your COI to clients, landlords, and lenders as required. Store a digital copy and set a renewal reminder 60 days before expiry.