Top 10 Business Insurance Companies in the USA for 2025-2026
#10 Zurich North America
A powerhouse for large-scale commercial property and casualty. If your business operates internationally or involves massive infrastructure projects, Zurich’s global network provides seamless cross-border compliance.
#9 Berkshire Hathaway (biBERK)
Backed by Warren Buffett's empire, biBERK uses a direct-to-consumer model. By cutting out brokers, they often offer premiums that are 20% lower than competitors, making them very attractive for cost-conscious businesses.
#8 CNA
CNA focuses on "professional" risks. They provide market-leading Professional Liability (Errors & Omissions) and specialized packages for the manufacturing and life sciences sectors.
#7 State Farm
Leverages a network of nearly 19,000 local agents. This makes them the go-to for small-town businesses or owners who prefer a face-to-face relationship and expert local knowledge of state-specific regulations.
#6 Nationwide
Ideal for entrepreneurs who want a holistic approach. Beyond standard insurance, they provide business financial services, including retirement plans and employee benefits, allowing for easier administrative management.
#5 Progressive
Dominates the commercial vehicle market. Whether you are an independent contractor with one van or a logistics firm with a fleet of heavy trucks, Progressive offers the most flexible and competitively priced commercial auto policies.
#4 Liberty Mutual
They are particularly strong in the middle-market sector. Their focus on risk engineering helps businesses identify workplace hazards, which can significantly lower insurance premiums over time.
#3 Travelers
With over 160 years of data, Travelers excels in risk prevention. They offer specialized industry segments (e.g., public sector, energy, tech) and have one of the most efficient claims-handling processes in the U.S.
#2 The Hartford
A favorite among American small business owners. They are a pioneer in the industry and have a long-standing partnership with AARP. Their "Spectrum" BOP policy is highly customizable and easy to manage for startups.
#1 Chubb
Often considered the "Gold Standard" of commercial insurance. Chubb is the world’s largest publicly traded property and casualty insurer, specializing in complex coverages like executive liability, cyber risk, and global programs for multinational firms.
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