The underwriter’s worksheet, handed to you.

Most small-business-insurance content is written for the search engine, not the cleaner reading it at a kitchen table at 9pm because a client just asked for a certificate by Friday. The head players publish the same “best business insurance” listicle to a food-truck owner and a SaaS founder. BizQuoted does the opposite: we answer the by-trade, by-state questions they skip, and we give you an honest interactive answer to the one that matters — which policies do I actually need, and what do they typically run?

Who this is for

US owner-operators with 0–25 employees — cleaners, landscapers, handymen, contractors, food-truck operators, consultants, e-commerce sellers — buying a first policy or hitting a contract gate. If you’ve ever been asked for “$1M/$2M per occurrence” and didn’t know what that meant, this site is for you.

How we’re different

• The coverage checker — a rules-based answer no listicle offers.
• Typical ranges only, every figure sourced and dated. No premium promises, no fear-selling.
• Independence as positioning: we cite sellers’ published data but rank by your situation, never by what pays us.

How we make money

We sell nothing. Some links go to insurance marketplaces and carriers; if you start a quote through one, we may earn a commission at no extra cost to you — and it never changes what you pay or how we rank options. The full details live in our editorial standards and methodology.