Need Small Business Insurance?
COLESHILL INSURANCE
⭐ Why Small Business Insurance Matters
Small business insurance protects your business from the unexpected — accidents, lawsuits, property damage, and costly mistakes. One claim can shut a business down. Insurance keeps it open.
What It Protects You From
Lawsuits and legal bills
Customer injuries or property damage
Fire, theft, storms, and water damage
Employee injuries (Workers’ Comp)
Lost income after a covered loss
Why It’s Required
Many states require Workers’ Comp
Clients often demand proof of insurance
Protects your personal finances from business‑related claims
Some of my Favorite Small Business Insurance Carriers
⭐ Why Use Simply Business for Your Small Business
Simply Business is a fast, modern insurance marketplace that lets you compare multiple top‑rated carriers with one simple application. It’s built for speed, affordability, and helping small businesses get the right coverage without the hassle.
What Makes Simply Business Great
Multiple carriers, one application
Fast quotes for GL, BOP, E&O, Cyber, and Workers’ Comp
Competitive pricing across trusted national carriers
Clean, simple online experience
Instant COIs after binding
Strong for micro‑businesses and startups
Who Simply Business Works Best For
Contractors & trades
Retail shops
Consultants & freelancers
Home‑based businesses
New businesses needing quick proof of insurance
⭐ Pie Small Business Insurance
Pie delivers fast, affordable coverage built specifically for small businesses — especially when it comes to Workers’ Compensation. Their digital process makes getting covered quick and stress‑free.
What Pie Offers
Workers’ Compensation (their specialty)
Simple online applications
Fast approvals
Competitive small‑business pricing
Instant Certificates of Insurance
Who Pie Works Great For
Contractors
Retail shops
Restaurants
Cleaning companies
Professional services
Home‑based businesses
Why Businesses Choose Pie
Quick quotes
Easy online experience
Budget‑friendly rates
Strong claims support
⭐ Pie delivers fast, affordable Workers’ Comp for small businesses — with a simple online process and instant proof of coverage.
Pie is an agent‑driven Workers’ Comp carrier — quotes are handled directly through our office.
⭐ Attune for Small Business
Attune is built for fast, simple small‑business insurance. It delivers quick quotes, instant binds, and clean policy documents — perfect for busy owners who want coverage without the hassle.
What Attune Offers
BOP (Business Owners Policy)
General Liability
Commercial Property
Professional Liability (E&O)
Cyber
(Attune does not offer Workers’ Comp.)
Why Small Businesses Like Attune
Quotes in minutes
Bind in seconds
345+ straight‑through eligible business classes
A‑rated carrier strength
Clean, easy‑to-read policies
Who Attune Works Best For
Consultants
Retail shops
Offices
Salons & spas
Light contractors
Service businesses
Attune delivers fast, simple small‑business insurance — with instant quotes, instant binds, and A‑rated protection.
Attune is an agent‑driven carrier — quotes are handled directly through our office.
⭐ Next Insurance for Small Business
Next is built for fast, modern small‑business insurance. Everything is online, simple, and designed for busy owners who want coverage without the hassle.
What Next Offers
General Liability
Business Owners Policy (BOP)
Professional Liability (E&O)
Cyber
Workers’ Compensation ✔ (Yes — they do WC)
Why Small Businesses Like Next
Instant online quotes
Monthly payment options
Easy COIs
Great for 1–10 employee businesses
Strong for trades, retail, services, and consultants
Who Next Works Best For
Contractors & handymen
Retail shops
Offices & service pros
Consultants & freelancers
Startups and micro‑businesses
⭐Next Insurance delivers fast, affordable small‑business coverage — including Workers’ Comp, GL, BOP, E&O, and Cyber.
⭐ AmTrust for Small Business
AmTrust is one of the most reliable names in small‑business insurance, especially for companies that need strong Workers’ Comp support. They’re known for competitive pricing, fast certificates, and dependable claims handling.
What AmTrust Offers
Workers’ Compensation
General Liability
Business Owners Policy (BOP)
Commercial Package Policies
Commercial Auto (varies by state)
Why Small Businesses Choose AmTrust
Competitive WC pricing for contractors, restaurants, retail, and service pros
Fast COIs for job sites and vendors
Flexible payment options, including Pay‑As‑You‑Go
Strong, responsive claims team
Broad appetite for small‑business classes
Who AmTrust Works Best For
Contractors
Restaurants
Retail shops
Offices & service businesses
Light manufacturing
⭐ AmTrust delivers dependable small‑business coverage with competitive Workers’ Comp, fast certificates, and flexible payment options.
AmTrust is an agent‑driven carrier — quotes are handled directly through our office.
⭐ Chubb for Small Business
Chubb is one of the strongest small‑business insurance carriers in the country, known for premium coverage, broad eligibility, and elite claims handling. They’re especially good for clients who want higher‑quality protection and a smooth claims experience.
What Chubb Offers
Business Owners Policy (BOP)
General Liability
Commercial Property
Professional Liability (E&O)
Cyber
Workers’ Compensation (agent‑submitted only — no client link)
Why Small Businesses Choose Chubb
Industry‑leading claims service
Broad appetite across 400+ business classes
Strong coverage limits and endorsements
Fast quoting through your agent portal
Excellent for professional services, retail, offices, and tech
Who Chubb Works Best For
Consultants & professional services
Healthcare offices
Retail shops
Light manufacturing
Contractors (select classes)
⭐ Chubb delivers premium small‑business coverage with broad eligibility, strong protection, and top‑tier claims service. Chubb Small Business is agent‑driven only.
⭐ biBERK for Small Business
Fast, affordable coverage backed by Berkshire Hathaway.
Get instant quotes, instant certificates, and strong protection for your business.
What biBERK Offers
Workers’ Compensation
General Liability
Business Owners Policy (BOP)
Commercial Auto
Professional Liability (E&O)
Umbrella
Why Small Businesses Choose biBERK
A++ Berkshire Hathaway financial strength
Very competitive Workers’ Comp rates
Quick online quoting
Instant COIs and policy documents
Smooth, reliable claims handling
biBERK does not offer an agent‑tracked public quote link. Contact me directly so I can run your biBERK quote and ensure it’s credited and properly set up.
⭐ Coterie for Small Business
Coterie delivers fast, modern insurance built for small businesses that want simple, digital coverage without the back‑and‑forth. Quotes take minutes, and policies are clean, flexible, and easy for clients to understand.
What Coterie Offers
BOP (Business Owners Policy)
General Liability
Professional Liability (E&O)
Cyber Liability
❌ No Workers’ Comp (So it pairs perfectly with Pie or Simply Business.)
Why Small Businesses Like Coterie
Instant quotes
Easy online applications
Transparent pricing
Modern, paperless experience
Fast COIs
Who Coterie Works Best For
Consultants
Freelancers
Retail shops
Offices
Service businesses
Home‑based businesses
⭐ Coterie delivers fast, modern small‑business insurance — with instant quotes for BOP, GL, E&O, and Cyber.
Coterie does not provide a public quote link. Contact me directly and I’ll run your Coterie quote quickly with the right coverage.
⭐ Rainbow for Small Business Insurance
Rainbow is a modern commercial‑insurance platform built for fast, simple small‑business quoting. It’s especially strong for multi‑location risks and service‑based businesses that need clean, accurate coverage without the back‑and‑forth.
What Rainbow Offers
Business Owners Policy (BOP)
General Liability
Commercial Property
Professional Liability (E&O) (varies by class)
Industry‑specific appetite guides
Multi‑location quoting in one policy
Why Small Businesses Like Rainbow
Quick, streamlined applications
Strong appetite for restaurants, retail, wellness, and service pros
Easy multi‑location quoting
Weekly product webinars for transparency and support
Clean, easy‑to-read policy documents
Who Rainbow Works Best For
Restaurants & cafés
Retail shops
Beauty & wellness
Offices & service businesses
Brew pubs & specialty food businesses
⭐ Client‑Facing Link?
Rainbow does NOT offer a client‑facing quote link. All quotes must be started through your agent portal. Contact me directly and I’ll run your Rainbow quote quickly with the right coverage for your business.
.⭐ Why Use THREE for Your Small Business
THREE is Berkshire Hathaway’s all‑in‑one small‑business policy — built to simplify coverage, eliminate gaps, and protect your entire business in one clean, plain‑English contract. Instead of juggling multiple policies, THREE wraps everything into one powerful package.
What Makes THREE Different
One policy that replaces GL + Property + Auto + Cyber + EPLI
A++ Berkshire Hathaway financial strength
Fewer coverage gaps than piecing together multiple carriers
Clear, easy‑to‑read contract (no dense insurance jargon)
Strong pricing for contractors, retail, restaurants, and service pros
Fast quoting and fast claims
Who THREE Works Best For
Contractors & trades
Restaurants & food service
Retail shops
Offices & service businesses
Small fleets needing auto + liability + property in one policy
⭐ Client‑Facing Link?
THREE does NOT offer a client‑facing quote link. All quotes must be started through my agent portal. Contact me directly and I’ll run your THREE quote quickly — with the right coverage and no gaps.
⭐ Hiscox for Small Business
Hiscox is built for service‑based small businesses that want fast quotes, flexible monthly payments, and strong protection for consultants, creatives, and solo operators.
What Hiscox Offers
General Liability
Professional Liability (E&O)
Business Owners Policy (BOP)
Cyber Liability
Short‑term / project‑based liability
Why Small Businesses Choose Hiscox
Designed specifically for small businesses
Excellent for consultants, creatives, IT, and freelancers
Fast online quoting
Monthly payments with no added fees
Worldwide coverage on many policies
A‑rated financial strength
Who Hiscox Works Best For
Consultants & coaches
Marketing, design, IT, and tech services
Real estate professionals
Freelancers & micro‑businesses
Light contractors
General Insurance & Financial Disclaimer
The information provided is for educational purposes only and is not intended as a recommendation to purchase or sell any insurance or financial product. You should consult with licensed tax, legal, or financial professionals to determine what options are appropriate for your personal situation.
www.coleshillprotects.com
Gary A Coleshill
Licensed Agent
Office: 480 856 7782 x 100
Cell & Text 480 208 4366
NPN: 6746746