Affordable Business Insurance Quotes | Orbit Insurance Services

Protecting your enterprise

What coverages can I get for my Business?

Commercial insurance plans are designed to cover your business’s financial losses in case of accidents, natural disasters, or employees' sickness. Ensure your enterprise is fully secure.

General Liability Coverage

Protects you against legal claims and expenses if a third party is injured on your property or suffers property damage while you are conducting business operations.

Business Income Coverage

If your business is forced to close due to a covered disaster, business income coverage will compensate for the lost revenue and help cover ongoing fixed expenses.

Commercial Auto & Fleet

This coverage helps pay for potential liabilities and physical damage costs if your commercial vehicles or employee-driven cars are involved in an accident.

Workers' Compensation

When your employees suffer an injury or get sick while working, workers' compensation covers their medical payments and the income they lose during recovery.

Equipment Breakdown

Commercial equipment is essential. This helps pay for repair and replacement costs when critical machinery breaks down suddenly, ensuring operations resume quickly.

Crime and Theft Coverage

Protects your bottom line against financial losses from external theft, robbery, fraud, or internal employee dishonesty, ensuring your business assets remain secure.

Why Orbit

Why Orbit is the best choice for Business Insurance?

Competitive Rates

We navigate the commercial market for you, comparing multiple top-rated carriers to ensure you get the absolute best value without sacrificing critical coverage.

Industry Expertise

From contractors to retail store owners, our agents understand the exact risks your specific industry faces and how to properly underwrite them.

Flexible Requirements

New business? No prior coverage? Unique ownership structure? We have markets that welcome all types of businesses and credit profiles.

Fast Certificates

We know you need proof of insurance to close deals and sign leases. We generate Certificates of Insurance (COIs) rapidly so you can get to work.

Talk to a commercial expert today

An Orbit commercial agent is ready to help you analyze your operational risks and build a custom safety net for your enterprise.

Speak with an Expert

The basics

What is Business Insurance?

Business insurance provides a financial safety net for companies against various operational risks, including liability claims, property damage, and unexpected interruptions. Within the limits of the policy, this insurance helps cover expenses related to incidents like fires, thefts, or client injuries that could otherwise bankrupt an enterprise.

Business insurance falls mainly into three core categories: property, liability, and workers' compensation. You can often bundle these into a single Business Owner’s Policy (BOP) for cost efficiency. As a business owner, securing the right commercial insurance policy is essential to fill gaps in your operational security, protect your employees' well-being, and ensure long-term financial stability.

Factors That Impact Your Rates

Type & Size of Business: A small retail store pays differently than a large manufacturing plant. Higher revenue and more assets mean higher coverage limits are required.
Industry Risk Level: High-risk professions (like roofing or tree trimming) carry significantly higher workers' comp and liability rates than clerical office environments.
Business Location: Operating in high-crime areas or regions prone to natural disasters increases property insurance costs.
Number of Employees & Payroll: Your total payroll directly dictates your workers' compensation premiums.
Claims History: A history of frequent liability or property claims indicates higher risk to underwriters, leading to elevated rates.

Good to know

Frequently asked questions & Requirements

Yes, you do. While an LLC limits your personal liability, it does not protect the assets of the business itself from a wide range of claims, such as property damage, employee injuries, or professional negligence lawsuits.

While General Liability isn't legally mandated in all states, certain coverages are. If you have employees, Workers' Compensation is required by law in almost every state. Additionally, Commercial Auto is legally required if you own company vehicles. Many clients and landlords will also contractually require you to carry coverage.

In most cases, commercial insurance premiums are tax-deductible as essential, ordinary costs of running a business. They can be used to lower your taxable income. We recommend consulting a tax professional to ensure compliance.

Absolutely! You can receive business insurance before your licensing is fully complete, which is often necessary since many municipalities require proof of insurance before issuing the license. However, having your legal registration (like an EIN or Articles of Organization) makes the process smoother.

To generate an accurate commercial quote, we will need:

Business Info: Legal name, physical address, and detailed description of operations.
Financials: Estimated annual gross revenue and total payroll.
Employee Data: Number of full-time and part-time employees.
Assets: Value of business equipment, inventory, and physical property.
History: Any previous commercial insurance claims in the last 3-5 years.

Real reviews, real people

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Thousands of 5-star Google reviews from drivers, homeowners, and business owners across the state — and counting.

Best quote I’ve had in days — the lowest rate, for real. Quick sign-up and the rep was super patient and kind.

Tihesha Wise Google Review
Amanda searched multiple companies to get me the best rate possible. Genuinely great customer service.

Terrance Wilson Google Review
Got my business insurance quick and easy at the right price. You won’t find a better deal.

Luis Gallegos Google Review
Veronica explained everything calmly and broke it all down so I understood. I appreciate the patience.

Gran Love Google Review
I strongly recommend this place. They gave me the best deal and worked with me the whole way through.

Samuel Uribe Google Review
Oscar gave me a very competitive quote on my vehicle and made the whole process easy. Highly recommend.

Angel ADB Google Review
Karina made everything fast and easy, and stayed super consistent with follow-ups. She deserves a raise.

Crisantos Anselmo Google Review
Jarvier found me the best rate possible in under an hour. So grateful — thanks for everything.

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