About Beaconcover

Beaconcover compares business insurance for the people who actually have to buy it on a deadline: contractors, tradespeople, cleaners, consultants, licensed professionals, and gig workers. We explain what coverage a given trade actually needs to bid a job or satisfy a license, what it tends to cost, and which carriers fit which work — without the provider marketing gloss.

We cover the lines small businesses actually buy: general liability, professional liability (errors & omissions), workers' compensation, commercial auto, business owner's policies, and cyber. We are not a licensed insurance broker. We route you to the provider's own quote form; we do not sell or bind policies.

• ✓Source-backed ratings. Every rating and factual claim needs a citation from a credible source: carrier policy documents, state insurance regulators, or established business press. We do not fabricate ratings or invent pricing.
• ✓No paid placements. A provider cannot pay for a higher rating, a “Best for” label, or a top rank. Rankings reflect our methodology, not revenue.
• ✓Regular review. Provider records are reviewed every 90 days, or sooner on material change. The Last updated date is the date we last verified the data.
• ✓Not legal or tax advice. We compare insurance costs and coverage terms only. We do not give legal, tax, or regulated insurance advice, and we are not a broker.

Full methodology: How We Rate Business Insurance.

Beaconcover may earn a commission when you click through to a provider and buy a policy. The commission is paid by the provider, not by you, and does not change your price. Not every provider we cover has an affiliate arrangement; carriers appear on editorial merit regardless. Affiliate status does not influence ratings or rankings. See our Affiliate & Editorial Disclosure for the full FTC disclosure.

• ✓Every provider rating cites a source. We do not publish opinion-only scores.
• ✓Premium ranges and state workers'-compensation thresholds are estimates pending editorial and legal verification. We label them as estimates on the page rather than presenting them as fact — we would rather show our work than fake precision.
• ✓State legal requirements vary by entity type and change over time. We point you to the state regulator; we do not interpret the law for you.
• ✓We are not licensed insurance agents and do not sell insurance. Nothing here is insurance, legal, or tax advice.

We take factual corrections seriously. If a premium range, coverage detail, or state requirement on this site is wrong or out of date, we want to fix it. A dedicated contact channel is being set up; until then, corrections are tracked against the methodology and review cadence above.