Esurance Small Business Insurance
Reviews 2023

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Read small business insurance company reviews including ratings, policy types, customer service, and pricing.

Esurance Small Business Insurance Ratings

Esurance Reviews

Esurance Small Business Insurance Reviews 2023 (Ratings, Complaints & Coverage). Founded in 1998, Esurance was among the first companies to put an emphasis on technology. Esurance sprang out of the excitement of the dotcom bubble where everything was going online. It was owned by Folks America Holding Inc. before being acquired by Allstate in 2011. Since the acquisition, much of the company's focus has been on geographic expansion. Now much of that has been accomplished-with offices in nineteen cities, and customers in forty-three of the fifty US states. Esurance is still headquartered in San Francisco.

The company is not like other insurance providers, in that it does not have offices or independent brokers. Policies are sold online, not through independent agents, and the reduced overhead is how they can offer lower rates. They allow consumers to buy insurance and manage their policies via the Internet and through a mobile app. This means you can do anything from file a claim to get a quote to change your coverage options 24 hours a day, 7 days a week.

If you are a business owner looking to buy liability insurance, read Esurance small business insurance reviews to learn about Esurance's products.

Check out Esurance reviews, ratings, complaints & coverage for general liability, workers compensation and other small business insurance commercial policies.

Following are some of the answers to commonly asked Esurance small business insurance questions:

Does Esurance Offer Business Insurance?

Yes, Esurance offers business insurance with a focus on small business commercial policies.

What Types Of Commercial Insurance Does Esurance Offer?

Esurance offers small business insurance policies including: General Liability, Commercial Property, Workers Compensation, Commercial Auto and others.

How Much Does Esurance's Small Business Insurance Cost?

The average cost of Esurance's commercial insurance policies ranges from $42 to over $179 per month, and is mainly based on your business's: Industry, Location, Gross Sales, Employees and/or Payroll, Policy Limits, Endorsements, Deductibles, Experience & Claims History.

Small Business Coverages Offered By Esurance

Esurance partners with BizInsure to provide customers with access to small business insurance policies. These policies are written with a variety of other companies and not underwritten by Esurance. Commercial auto and some other business policies such as general liability are written through Allstate. The Esurance small business insurance reviews on the Internet are fair. The policies offered include:

Commercial Auto - Commercial auto insurance protects a company's vehicles. You can protect vehicles that carry employees, products or equipment. With commercial auto insurance you can insure your work cars, SUVs, vans and trucks from damage and collisions. However, Esurance doesn't offer direct auto coverage everywhere. In a few states, it uses partner relationships. Esurance business auto insurance ratings are ok.

General Liability - This covers third-party injuries and property damage-but not anything your company suffered. It covers things like product liability or if someone falls in your store and sues you.

Professional Liability - Protects you from legal action for negligence taken against you if someone suffers a loss after following your professional advice or as a result of your receiving your advice.

Product Liability - If a company makes, sells, or distributes a product, they can be held liable for its safety. Product liability insurance covers claims that arise from defective products that cause injury or harm. Coverage should vary with the type of product that is made. For example, a pharmaceutical company is exposed to higher product liability risks than a clothing manufacturer.

Business Owners Policy - A Business Owner Policy, which is often called BOP, provides general liability coverage but also adds coverage for property - such as your buildings, tools, and equipment.

Commercial Property - Property insurance compensates you if the property you use in your business is lost or damaged as the result of various types of common perils such as fire or theft. Property insurance covers not just a building or structure but also what insurers call "business personal property", meaning office furnishings, inventory, raw materials, machinery, computers and other items vital to your business operations.

What Makes Esurance Commercial Different?

Esurance offers an easy 3 step process for small business insurance policy application: quotation, then purchase and finally printing of the policy. This totally eliminates insurance agents from the picture. Also, customers don't have to wait for their insurance policies by mail.

Consumer ratings: Esurance insurance Company ranked average for overall customer satisfaction from J.D. Power and Associates, according to their website. This merits them the distinction of the "rest" when compared to other companies that performed more to people's satisfaction. The ratings held in the classes of billing and payment as well as the ability and ease of contacting the insurer. Esurance ratings are average.

Financial ratings: Esurance Insurance Company and Esurance Property and Casualty Insurance Company had a superior A+ rating as well as a stable future outlook (no upgrade or downgrade of ratings upgrade expected soon) affirmed by AM Best on 04/07/2016. An A+ rating is the 2nd highest in AM Best rating. AM Best ratings are an opinion about a company's ability to pay customer claims, remain solvent financially, and remain in business. Esurance small business insurance reviews are tricky because they use partner companies.

Esurance Insurance Company Agents: Esurance boasts dedicated claims agents and 1700 employees nationwide. Their 24/7 service is accomplished with a combination of live agents, web access, email, and Smartphone apps, leading to their tagline "people when you want them and technology when you do not."

Mobile App: One of the strengths of this insurance agency is its mobile app. Esurance uses modern technology to manage your account and process claims. With the mobile app, you can video chat with an appraiser or snap photos, say of an auto accident and damage and submit it as a photo claim.

Claims management: Contacting Esurance is easy. The service offers toll-free phone numbers for insurance and making claims, including a phone line available 24 hours a day, seven days a week, which has well-informed and helpful representatives answering your calls. Policyholders also can log in to view their claim status and contact a claims representative.

Esurance Commercial Pros and Cons


  • Esurance is built with internet customer service in mind, so anything you need to do can be easily taken care of online.
  • Esurance accepts PayPal for premium payments.
  • Great smartphone app to conveniently manage policy or claims, with photo and video submissions available.
  • Although Esurance has not been around as long as their competitors, they have an "excellent" financial backing, which is something you should always look for in an insurance company as it indicates its ability to pay out on policies. The company has access to Allstate Insurance's tools and resources.


  • Esurance only accepts electronic payments, meaning you can't mail in a check or pay in cash at a local office.
  • Mixed reports on Esurance mobile app: consumers have both complained about and complimented the mobile app's functionality and quality.
  • Below average ratings on overall satisfaction. Esurance small business insurance reviews are below average overall.

Are Esurance's Commercial Insurance Reviews & Ratings Good?

Following are some Esuarance business insurance ratings found online which appear mixed:

  • - The Better Business Bureau rates them 3.76 out of 5 stars.
  • - Consumer Affairs rates them 1.9 out of 5 stars.
  • - Nerd Wallet rates them 4.0 out of 5 stars.

Esurance's Contact Information

Address: 650 Davis Street, San Francisco, CA 94111


Other Other companies owned:, Silicon Sierra Holdings, Inc., Esurance, Esurance Company of New Jersey, Esurance Property and Causalty Insurance Company and Esurance Customer Service Center.

Esurance Commercial Insurance Bottom Line

Esurance is a great company for people who are chiefly interested in convenience as you can handle everything online. Though Esurance doesn't have the widest array of coverage options, they do offer an impressive number of discounts, which you should be able to take advantage of. Overall, the company is suitable if you are looking for convenience, discounts and commitment to environmental responsibility.

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