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Digital Distribution insurers
- Global and national commercial carriers 15
- Regional carriers 20
- Personal-lines carriers that also insure businesses 9
- Specialty and E&S insurers 31
- Workers' comp specialists and state funds 7
- Medical and professional liability specialists 3
- Niche and affinity insurers 9
- Small business specialists 12
- Cyber specialists 3
- Program carriers and fronting insurers 6
- Reinsurer-owned commercial insurers 5
| # | Insurer | Type | Commercial premiums (2025) | AM Best |
|---|---|---|---|---|
| 33 | AllstateThe big personal auto and home insurer has pulled back from Allstate-brand commercial policies; it now sells commercial auto through National General. | Personal-lines carriers that also insure businesses | $3.24 billion | A+ (Superior) |
| 99 | HiscoxLloyd's-rooted specialist that sells professional liability, GL, BOP and cyber to U.S. small businesses online and through brokers, plus E&S lines via Lloyd's. | Small business specialists | $626.0 million | A (Excellent) |
| — | biBERKBerkshire Hathaway's direct-to-business insurer: comp, BOP, GL, E&O, commercial auto and umbrella quoted and bought online or by phone, no agent needed. | Small business specialists | — | A++ (Superior) |
| — | CoverWalletNew York insurtech agency founded in 2015, owned by Aon since January 2020. Its site now sends small business quote requests to Aon Affinity agents. | Small business specialists | — | — |
| — | EmbrokerDigital insurance broker and MGA for startups, tech companies and law firms. Its own programs are written on Everest National and Everspan paper. | Small business specialists | — | — |
| — | HuckleberryOnline insurance agency owned by Paychex since 2023. Quotes workers' comp, BOP and GL from carriers such as AmTrust, Chubb and The Hartford. | Small business specialists | — | — |
| — | InsureonOnline independent agency in Chicago, owned by HUB International since 2022. Quotes small businesses with carriers such as The Hartford, Chubb and Hiscox. | Small business specialists | — | — |
| — | NEXT InsuranceOnline small business insurer founded in 2016, owned outright by Munich Re's ERGO since July 2025 and now branded ERGO NEXT: GL, BOP, comp, auto and E&O. | Small business specialists | — | A+ (Superior) |
| — | Pie InsuranceVenture-backed insurtech that writes small business workers' comp on its own A- rated paper in 39 states and D.C., sold online and through 5,000-plus agencies. | Small business specialists | — | A- (Excellent) |
| — | Simply BusinessOnline insurance agency owned by Travelers since 2017. Compares quotes from about 18 carriers, such as Travelers, Hiscox, biBERK and Markel, for small firms. | Small business specialists | — | — |
| — | ThimbleOnline agency owned by Arch selling general liability by the hour, month or year. Policies are issued by Markel Insurance Co. and National Specialty. | Small business specialists | — | — |
| — | VouchInsurance broker for startups, tech, life sciences and financial firms. Sold its Corix MGA and Vouch Insurance Company to Hiscox under a 2025 deal. | Small business specialists | — | — |
Ranked by 2025 U.S. commercial lines direct premiums written: NAIC 2025 market share data for 17 commercial lines (states and U.S. territories), summed by insurance group. A group's premium in a line where it is outside NAIC's top 125 is not counted. Seven groups are left out because a business cannot buy from them or their premium in these lines is mostly consumer coverage: USAA, CSAA, the Ohio Bureau of Workers' Compensation, Florida's Citizens, the Texas FAIR Plan and windstorm pool, Assurant and Generali. Brands without a rank are well-known companies inside these groups or outside the top 100.