Compare business insurers

How to use it

The tool starts with every insurer profile on this site: the 100 largest U.S. business insurers by 2025 commercial lines premiums, plus well-known brands. Narrow the list first, then pick.

1. Search by name. Typing matches the insurer's name and its listed aliases, so "Hartford" finds The Hartford.
2. Type of insurer. The categories used on the profiles, such as global and national carriers, regional carriers, specialty and E&S insurers or small business specialists.
3. Minimum AM Best rating. Any, or A++, A+, A or A- and better.
4. Choose up to three. Each tile shows the insurer's rank and AM Best rating. Click a tile to add it; click again to remove it. The counter reads "2 of 3 chosen".

The comparison table appears below. Rows cover rank, 2025 commercial premiums, share of U.S. commercial lines, largest lines, national top-10 line rankings, type, AM Best (with its "as of" date), S&P, J.D. Power, business and claims phone numbers, small business sales line, websites, headquarters, founded, ownership, parent, where it writes business insurance, how it sells, markets, online service and best-suited-to. The last row links each profile.

The math

There is no scoring. Nothing is ranked, weighted or recommended. The rank, premium and share figures are those on each profile, drawn from NAIC 2025 market share data summed over 17 commercial lines. The name filter is a substring match. The rating filter compares AM Best letter grades in order: A++, A+, A, A-, B++ and down.

Say you want an A-rated or better specialty carrier. Set the minimum to "A- or better," set the type to specialty and E&S, and the list shrinks to the profiles that meet both tests. Choose three and the table shows where their size, distribution and service tools differ.

Assumptions and limits

• Unrated profiles drop out. If a profile carries no AM Best rating, it disappears as soon as you set any minimum. Set the minimum to "Any" to see it again.
• Dashes and hidden rows. A dash means the profile does not carry that fact. A row that no chosen insurer has data for is hidden.
• Dated ratings. Each rating shows the month it was confirmed. Check the current rating with the insurer or your broker before you buy. Ratings can change after the date shown. See AM Best ratings explained for business buyers.
• Group versus company. Profiles are brand-level. Your policy is issued by a specific insurance company within a group, named on the declarations page, and the rating that matters is that company's. Ask your agent which company is issuing it.
• Size is not service. Premium rank measures volume. It says nothing about price, claims handling or whether the carrier wants a business like yours. Appetite varies by class, size and state.
• Admitted or not. The table does not show whether a given policy is admitted or surplus lines. That affects guaranty fund protection; see admitted vs non-admitted insurers: what the difference means.
• No endorsement. Nothing here is a recommendation of any insurer.

For price and fit, get quotes through a broker or agent and line them up on the business insurance quote comparison worksheet. For the method behind a good choice, read how to judge a business insurance company; for the biggest names, The 100 largest U.S. business insurance companies.