Commercial Business Insurance · U.S.

Coverage
built for the
real world.

From general liability to surety bonds, First Connect Insurance pairs your business with the right carrier, the right policy, and an agent who picks up the phone. No filler. No fluff. Just protection that holds.

★★★★★  4.9 / 5 avg rating 20+ A-rated carriers 50 states licensed
General Liability/ Workers' Comp/ Cyber Insurance/ Surety Bonds/ Professional Liability/ Commercial Auto/ BOP/ D&O/ E&O/ Builders Risk/
General Liability/ Workers' Comp/ Cyber Insurance/ Surety Bonds/ Professional Liability/ Commercial Auto/ BOP/ D&O/ E&O/ Builders Risk/
Our Trusted Partners

Backed by the carriers businesses trust.

Built for Business

Built for U.S. businesses. Backed by experience.

400+
Business types covered
4.9/5
Average client rating
50
States licensed across the U.S.
20+
A-rated carrier partners
Rates starting at $20.75 / month
Exclusively built for small & mid-market businesses
No hidden fees. No upsells. Real savings.
Why First Connect

An agency that actually answers when it matters.

We're independent. We work for you — not the carrier. That means we shop your risk across 20+ top-rated insurers, walk you through the fine print, and stand by you when claim time comes around.

01

Independent & carrier-agnostic.

We're not tied to one insurer. We compare quotes across 20+ A-rated carriers to find the right coverage at the right price — not just whatever's in front of us.

02

Specialists in commercial lines.

Every policy we write is for a business. We know NAICS codes, class codes, certificates, audits, and the carrier appetites that small generalist agencies miss.

03

Direct access. No call centers.

When you call (844) 927-3356, you reach an actual licensed agent — not a tier-one routing menu. Same human, same number, every time.

04

Bonds, specialty & the hard stuff.

Surety bonds, fidelity, license & permit bonds, plus high-risk and specialty placements most agencies refer out. We place the business other brokers walk away from.

Top Business Policies

The coverage you need. Nothing you don't.

No two businesses carry the same risk. We tailor every policy to what you actually do — and what you actually need to be protected against. Browse the most common lines or talk to an agent for a custom package.

Commercial General Liability

Covers third-party bodily injury, property damage, and advertising injury claims. Required by most commercial leases and contracts.

Get Covered

Commercial Property

Protects your building, inventory, equipment, and furniture against fire, theft, vandalism, and most weather-related losses.

Get Covered

Business Owner's Policy (BOP)

The cost-effective combo — General Liability + Property + Business Interruption in one bundled package built for small businesses.

Get Covered

Workers' Compensation

Required in nearly every state if you have employees. Covers medical costs, lost wages, and lawsuits from on-the-job injuries.

Get Covered

Cybersecurity Insurance

Pays for data breach recovery, ransomware extortion, customer notifications, legal defense, and forensic investigation.

Get Covered

Business Auto Insurance

Required for vehicles owned, leased, or used for business. Covers liability, collision, comprehensive, and hired/non-owned auto.

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Commercial Umbrella

Extra liability protection on top of your underlying GL, auto, or employer's liability policies. For when limits aren't enough.

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Professional Liability

Protects against claims of negligence, missed deadlines, or unsatisfactory work — essential for consultants, agencies, and advisors.

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Errors & Omissions (E&O)

Covers legal expenses when a customer sues over a mistake, oversight, or delay that caused them financial loss.

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Directors & Officers (D&O)

Protects board members and executives from personal liability for decisions made on behalf of the company.

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Business Interruption

Replaces lost income and ongoing expenses when a covered event forces you to temporarily shut down operations.

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Tools & Equipment

Inland Marine coverage for tools, machinery, and equipment that travel with you to job sites or between locations.

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Employment Practices (EPLI)

Defends against employee claims for wrongful termination, discrimination, harassment, and retaliation suits.

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Product Liability

Protects manufacturers, distributors, and retailers when a product they sell causes bodily injury or property damage.

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Medical Malpractice

Coverage for physicians, dentists, nurses, and allied health professionals against negligence and standard-of-care claims.

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Builder's Risk

Covers buildings under construction or renovation against damage, theft, and weather events during the build cycle.

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Liquor Liability

Required for bars, restaurants, and venues serving alcohol. Covers claims arising from intoxicated patrons.

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Management Liability

Combined coverage for D&O, EPLI, and fiduciary liability — the management triple-threat protection for executives.

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Key Person Insurance

Life and disability coverage on critical employees whose death or incapacity would materially harm the business.

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Inland Marine

Specialized coverage for property in transit, contractors' equipment, and high-value mobile assets.

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Crime Insurance

Protects against employee theft, forgery, robbery, and computer fraud — gaps standard property policies don't cover.

Get Covered

Specialty & Custom

Tail coverage, contingent BI, EPL with wage & hour, environmental, kidnap & ransom — if it exists, we'll find it.

Get Covered
Recognition

Award-winning small business insurance.

Investopedia
Best Online Experience
May 2026
MoneyGeek
Best Small Business Insurer
May 2026
Trustpilot
Rated Excellent
April 2026
Insurance Ranked
Rated 5.0
April 2026
What Our Clients Say

Real businesses. Real coverage.

★★★★★ Rated 4.9 / 5 based on 2,266 reviews
Verified

Saved us thousands on GL renewal

First Connect re-shopped our general liability and cut our premium by 38% with better limits. Honestly didn't think it was possible.

Marcus T. · Contractor · 2 days ago
Verified

Bond placed in 24 hours

Needed a $50K license bond fast to keep a project moving. First Connect had it underwritten and issued the next morning.

Priya K. · Auto Dealer · 5 days ago
Verified

Actually picks up the phone

After dealing with chatbots and call centers at the big guys, talking to a real agent who knew my business was night and day.

Jamal R. · Restaurant Owner · 1 week ago
Verified

Cyber coverage that fit

We're a SaaS company and most agents tried to sell us a generic policy. First Connect built a stack tailored to our actual data exposure.

Sarah L. · SaaS Founder · 1 week ago
Verified

COI in 5 minutes

My landlord needed a certificate on a Sunday afternoon. Got it in my inbox before I finished my coffee. Wild.

David O. · Retail Owner · 2 weeks ago
Verified

Walked us through it all

First-time business owner here. Our agent explained every line item, every exclusion. I actually understand my policy now.

Elena V. · Salon Owner · 3 weeks ago
Verified

Saved us thousands on GL renewal

First Connect re-shopped our general liability and cut our premium by 38% with better limits. Honestly didn't think it was possible.

Marcus T. · Contractor · 2 days ago
Verified

Bond placed in 24 hours

Needed a $50K license bond fast to keep a project moving. First Connect had it underwritten and issued the next morning.

Priya K. · Auto Dealer · 5 days ago
Verified

Actually picks up the phone

After dealing with chatbots and call centers at the big guys, talking to a real agent who knew my business was night and day.

Jamal R. · Restaurant Owner · 1 week ago
Verified

Cyber coverage that fit

We're a SaaS company and most agents tried to sell us a generic policy. First Connect built a stack tailored to our actual data exposure.

Sarah L. · SaaS Founder · 1 week ago
Verified

COI in 5 minutes

My landlord needed a certificate on a Sunday afternoon. Got it in my inbox before I finished my coffee. Wild.

David O. · Retail Owner · 2 weeks ago
Verified

Walked us through it all

First-time business owner here. Our agent explained every line item, every exclusion. I actually understand my policy now.

Elena V. · Salon Owner · 3 weeks ago
Wholesale & Producer Network

Producers we work with.

Beyond direct carrier appointments, we tap into the largest wholesale, MGA, and specialty broker networks in the country to place hard-to-write risks and high-limit accounts.

RT Specialty
CRC Group
Amwins
Burns & Wilcox
Brown & Riding
Worldwide Facilities
Risk Placement Svcs
Jencap
Markel Specialty
Westchester
SolePro
USG Insurance
Power Up Your Business

Pair your coverage with our trusted partners.

QuickBooks
LegalZoom
Business Prime
Square
Gusto

Ready to be
covered right?

Get a free quote in under 15 minutes, or pull a Certificate of Insurance on the spot. No fees. No commitment. Just protection that holds.