Small business insurance without the BS.
We stripped away the corporate jargon and built insurance for real businesses. No runaround. Just solid coverage at fair prices.
Why The Alliance
Why veteran entrepreneurs choose The Alliance.
Veteran-Owned
Built by veteran entrepreneurs who understand the challenges of running a business.
Fast & Simple
No endless paperwork. Get quoted and covered in minutes, not weeks.
Real Coverage
No gotcha exclusions or fine print surprises. What we say is covered, is covered.
Expert Advisors
Talk to licensed agents who actually understand business insurance.
Coverage Options
Coverage options.
Find the right protection for your business.
General Liability
Protection against third-party claims of bodily injury, property damage, and advertising injury.
- ✓Slip and fall accidents
- ✓Property damage claims
- ✓Advertising injury
- ✓Legal defense costs
Workers' Compensation
Coverage for employee injuries and illnesses that occur on the job.
- ✓Medical expenses
- ✓Lost wages
- ✓Disability benefits
- ✓Employer liability
Professional Liability
Protection against claims of negligence, errors, or omissions in your professional services.
- ✓Errors & omissions
- ✓Malpractice claims
- ✓Contract disputes
- ✓Negligence claims
Cyber Liability
Protection against data breaches, cyber attacks, and digital threats.
- ✓Data breach response
- ✓Ransomware coverage
- ✓Business interruption
- ✓Notification costs
Commercial Property
Protection for your business property, equipment, and inventory.
- ✓Building coverage
- ✓Equipment protection
- ✓Inventory coverage
- ✓Business interruption
Business Owner's Policy (BOP)
A bundled package combining general liability and property coverage at a discounted rate.
- ✓General liability included
- ✓Property coverage included
- ✓Business income coverage
- ✓Equipment breakdown
Instant Estimate
Business insurance calculator.
Get an instant estimate. No email required.
1. Tell us about your business
We serve everyone, but military members get preferential rates. Membership Has Its Privileges.
2. Select your coverage
General Liability
Workers' Compensation
Professional Liability / E&O
Cyber Liability
Commercial Property
Commercial Auto
Umbrella / Excess
Business Owner's Policy (BOP)
Your selections carry over. Pricing comes back from the carrier on the next step — we don’t estimate it here.
Industry Guide
Coverage by industry.
Not sure what you need? Here's what we typically recommend.
Consulting
Low RiskRecommended Coverage:
- →General Liability
- →Professional Liability
- →Cyber Liability
Construction
High RiskRecommended Coverage:
- →General Liability
- →Workers' Comp
- →Commercial Auto
Retail
Medium RiskRecommended Coverage:
- →General Liability
- →Commercial Property
- →BOP
Technology
Medium RiskRecommended Coverage:
- →Professional Liability
- →Cyber Liability
- →General Liability
Healthcare
High RiskRecommended Coverage:
- →Professional Liability
- →Workers' Comp
- →Cyber Liability
Food Service
High RiskRecommended Coverage:
- →General Liability
- →Workers' Comp
- →Commercial Property
Tell Us About Your Business
Quick questions about your industry, size, and needs.
Get Your Quote
See your options and pricing in minutes, not days.
Customize Coverage
Adjust limits and deductibles to fit your budget.
Get Protected
Instant coverage. Download your COI same-day.
Frequently Asked Questions
Yes. Your homeowners policy typically excludes business activities. Even a home-based business needs general liability coverage at minimum. If clients visit your home or you have business equipment, you need protection.
General liability covers physical incidents - someone slips at your location, you damage a client's property. Professional liability covers your work itself - errors, negligence, failed deliverables. Most businesses need both.
Depends on your industry and risk exposure. Most small businesses start with $1M general liability. If you have employees, workers' comp is usually required by law. We'll help you figure out exactly what you need.
Absolutely. We work with new businesses all the time. In fact, getting coverage early protects you from day one and can be a requirement for some contracts and leases.
Usually same-day. Once you're approved, you can download your COI immediately. No waiting around for paperwork.
Yes. Bundle multiple coverages and you'll save 10-20%. We also offer veteran-owned business discounts and loyalty discounts for long-term customers.
Protect Your Business Today
Get a quote in minutes. No hidden fees, no corporate runaround. Just solid coverage for your business.