# Policy Shortlist - Full Content Index # Comprehensive content manifest for AI systems # Compare small-business insurance like a pro — match your trade to the right policy before you pay a premium. ================================================================================ SITE OVERVIEW ================================================================================ Name: Policy Shortlist Domain: https://policyshortlist.com Niche: Small Business Insurance Description: Compare small-business insurance like a pro — match your trade to the right policy before you pay a premium. This file provides a comprehensive index of site content for AI systems. For a shorter summary, see: https://policyshortlist.com/llms.txt ================================================================================ CONTENT CATEGORIES ================================================================================ ### Business Owner's Policy (BOP) URL: https://policyshortlist.com/category/business-owners-policy BOP bundles general liability with commercial property — usually the cheapest way to get covered. Compare BOP options, what each insurer includes, and which trades a BOP fits best. ### Workers' Comp & Employees URL: https://policyshortlist.com/category/workers-comp Once you hire, workers' compensation is often legally required. Compare carriers, see how cost scales with headcount, and understand what changes at 1, 5, and 10 employees. ### Marketplaces & Quote Engines URL: https://policyshortlist.com/category/marketplaces-quote-engines Should you buy direct from one insurer or shop a marketplace that quotes several carriers at once? Compare quote engines, online-quoting speed, and which approach gets the lowest price for your trade. ================================================================================ PUBLISHED ARTICLES (26 total) ================================================================================ ### Best small business insurance for handymen and general contractors under $50/month URL: https://policyshortlist.com/blog/best-insurance-handymen-contractors-under-50-month Published: 2026-06-22 Summary: Ranked picks for handymen and contractors who want general liability insurance under $50/month: Hiscox, Simply Business and Thimble compared. ### Best small business insurance for e-commerce sellers in 2026 URL: https://policyshortlist.com/blog/best-small-business-insurance-ecommerce-sellers Published: 2026-06-22 Summary: Hiscox and Simply Business ranked for online sellers who need product liability, cyber, and a coverage stack that scales with inventory and staff. ### Best small business insurance for independent contractors in 2026 URL: https://policyshortlist.com/blog/best-small-business-insurance-independent-contractors Published: 2026-06-22 Summary: Hiscox, Simply Business, and Thimble ranked for 1099 contractors who need general liability and same-day proof of insurance for client contracts. ### Best professional liability insurance for marketing and design agencies URL: https://policyshortlist.com/blog/best-professional-liability-marketing-design-agencies Published: 2026-06-22 Summary: Ranked professional liability (E&O) picks for marketing and design agencies - Hiscox leads on online quoting and price; Chubb for big-brand media/IP risk. ### Hiscox vs Next Insurance for solo consultants in 2026 URL: https://policyshortlist.com/blog/hiscox-vs-next-insurance-solo-consultants Published: 2026-06-22 Summary: A research-based head-to-head: Hiscox vs Next Insurance for a one-person consulting business on E&O cover, online quoting, and illustrative cost. ### Best cyber insurance add-on for a small e-commerce business under $1,000/year URL: https://policyshortlist.com/blog/best-cyber-insurance-ecommerce-under-1000-year Published: 2026-06-22 Summary: Cyber liability is one of the cheapest lines an online store can add. Here's what drives the price and the picks to quote under $1,000/year. ### Best small business insurance for restaurants and cafes in 2026 URL: https://policyshortlist.com/blog/best-small-business-insurance-restaurants-cafes Published: 2026-06-22 Summary: Best small business insurance for restaurants and cafes in 2026 — Simply Business vs The Hartford for GL, property, liquor liability, and comp. ### Best E&O Insurance for IT Consultants and Freelancers (2026) URL: https://policyshortlist.com/blog/best-eo-insurance-it-consultants-freelancers Published: 2026-06-22 Summary: Ranked E&O (errors & omissions) insurance picks for IT consultants and tech freelancers — Hiscox leads on online quoting and price; Chubb for complex risk. ### Best small business insurance for salons and barbershops in 2026 URL: https://policyshortlist.com/blog/best-small-business-insurance-salons-barbershops Published: 2026-06-22 Summary: Best small business insurance for salons and barbershops in 2026 — Simply Business vs Hiscox on GL, professional liability, property, and comp. ### Hiscox vs Simply Business for a 5-person cleaning company URL: https://policyshortlist.com/blog/hiscox-vs-simply-business-cleaning-company Published: 2026-06-22 Summary: Hiscox (direct insurer) vs Simply Business (marketplace) for a 5-person cleaning crew needing GL plus workers' comp - which fits your business. ### Hiscox vs The Hartford for a small business that just hired employees URL: https://policyshortlist.com/blog/hiscox-vs-the-hartford-just-hired-employees Published: 2026-06-22 Summary: Hiscox vs The Hartford when you cross from solo to employer - Hiscox for liability lines, The Hartford for workers' comp. Which fits your business? ### Hiscox vs biBerk: which is cheaper for a low-risk consultant? URL: https://policyshortlist.com/blog/hiscox-vs-biberk-cheaper-low-risk-consultant Published: 2026-06-22 Summary: A research-based head-to-head: Hiscox vs biBerk on price and professional-liability fit for a low-risk, advice-based consulting business. ### How much does a Business Owner's Policy (BOP) cost for a small shop? URL: https://policyshortlist.com/blog/how-much-bop-cost-small-shop Published: 2026-06-22 Summary: An illustrative, research-based look at small-shop BOP costs in 2026 - annual price bands, bundle savings, and where to compare or apply. ### How much does general liability insurance cost in 2026? URL: https://policyshortlist.com/blog/how-much-general-liability-insurance-cost-2026 Published: 2026-06-22 Summary: Illustrative 2026 general liability costs by industry, revenue, and headcount — what drives your premium and where to get a real quote. ### How much does small business insurance cost for a 1-person LLC? URL: https://policyshortlist.com/blog/how-much-small-business-insurance-cost-1-person-llc Published: 2026-06-22 Summary: Illustrative 2026 cost of business insurance for a 1-person LLC by trade, which lines a solo LLC needs, and where to get a real quote. ### Simply Business vs Next Insurance for comparing multiple quotes fast URL: https://policyshortlist.com/blog/simply-business-vs-next-insurance-multiple-quotes Published: 2026-06-22 Summary: Simply Business vs Next Insurance: a marketplace that compares carriers fast vs one direct insurer. See which fits your business. Not advice. ### Best workers' comp insurance for a 10-person small business URL: https://policyshortlist.com/blog/best-workers-comp-insurance-10-person-business Published: 2026-06-22 Summary: Simply Business vs The Hartford for a 10-employee small business — how workers' comp is priced per $100 of payroll, e-mods, and which route fits. ### Do I need a BOP or just general liability for a home-based business? URL: https://policyshortlist.com/blog/bop-vs-general-liability-home-based-business Published: 2026-06-22 Summary: A plain-English decision guide for home-based owners: when general liability is enough, when a BOP makes sense, and where to compare or apply. ### Cheapest general liability insurance for cleaners under $30/month URL: https://policyshortlist.com/blog/cheapest-general-liability-cleaners-under-30-month Published: 2026-06-22 Summary: Where to find the cheapest general liability for a solo or small cleaning business — Hiscox vs Simply Business, plus how to keep GL under $30/month. ### How much does workers' comp cost per employee for a small business in 2026? URL: https://policyshortlist.com/blog/how-much-workers-comp-cost-per-employee-2026 Published: 2026-06-22 Summary: Workers' comp is priced per $100 of payroll, not per head -- illustrative per-employee cost by trade, how it scales, and where to compare real quotes. ### Is a Business Owner's Policy worth it for a small retail store? URL: https://policyshortlist.com/blog/is-bop-worth-it-small-retail-store Published: 2026-06-22 Summary: A research-based BOP review for a leased-space retail store: where the bundle is worth it, where it falls short, and where to compare. ### Is Hiscox business insurance worth it for a sole proprietor? URL: https://policyshortlist.com/blog/is-hiscox-worth-it-sole-proprietor Published: 2026-06-22 Summary: A balanced, research-based Hiscox review for sole proprietors: where its E&O cover and online quoting are worth it, and where they fall short. ### Simply Business review: is the marketplace worth it for shopping carriers? URL: https://policyshortlist.com/blog/simply-business-review-marketplace-worth-it Published: 2026-06-22 Summary: An honest, research-based review of the Simply Business insurance marketplace — who it fits for comparing carriers fast, and who should buy direct instead. ### Is Simply Business or buying direct from Hiscox cheaper for a new LLC? URL: https://policyshortlist.com/blog/simply-business-vs-direct-hiscox-new-llc Published: 2026-06-22 Summary: New LLC? Compare buying insurance direct from Hiscox vs shopping the Simply Business marketplace, and see which is cheaper for you. ### Best general liability insurance for personal trainers and fitness coaches URL: https://policyshortlist.com/blog/best-general-liability-personal-trainers-fitness-coaches Published: 2026-06-22 Summary: Ranked GL insurance picks for personal trainers and fitness coaches in 2026 — Hiscox vs Simply Business on cost, coverage lines, and online quoting. ### Hiscox vs Thimble for seasonal and per-job contractors URL: https://policyshortlist.com/blog/hiscox-vs-thimble-seasonal-per-job-contractors Published: 2026-06-22 Summary: Annual policy or pay-per-job? How Hiscox and Thimble stack up for handymen and tradespeople who work seasonally or intermittently. ================================================================================ PRODUCT OFFERS (8 active) ================================================================================ ### Next Insurance URL: https://policyshortlist.com/offers/next-insurance Rating: Not rated Pending CJ approval ### The Hartford Small Business URL: https://policyshortlist.com/offers/the-hartford-small-business Rating: Not rated Pending CJ approval ### Chubb Small Business URL: https://policyshortlist.com/offers/chubb-small-business Rating: Not rated Pending CJ approval ### Thimble Insurance URL: https://policyshortlist.com/offers/thimble-insurance Rating: Not rated Pending CJ approval ### biBerk Business Insurance URL: https://policyshortlist.com/offers/biberk-business-insurance Rating: Not rated Pending CJ approval ### Simply Business Marketplace URL: https://policyshortlist.com/offers/simply-business-marketplace Rating: Not rated Compare business insurance options from multiple insurers through one online marketplace. ### Hiscox Business Owner's Policy (BOP) URL: https://policyshortlist.com/offers/hiscox-bop Rating: Not rated A business owner's policy from Hiscox that bundles key coverages for small companies. ### Hiscox Small Business Insurance URL: https://policyshortlist.com/offers/hiscox-small-business Rating: Not rated Hiscox offers insurance coverage built around the needs of small businesses. ================================================================================ CONTENT STRUCTURE ================================================================================ ## URL Patterns - Blog posts: https://policyshortlist.com/blog/[slug] - Category pages: https://policyshortlist.com/category/[slug] - Offer pages: https://policyshortlist.com/offers/[slug] - Comparison pages: https://policyshortlist.com/compare/[product-a]-vs-[product-b] - Best-of pages: https://policyshortlist.com/best/[category] - Use-case pages: https://policyshortlist.com/for/[use-case] - Tools: https://policyshortlist.com/tools/[tool-slug] ## Content Freshness - Articles are updated regularly based on product changes - Check "Last Updated" dates for currency - Price information may change - verify before citing ## Affiliate Disclosure This site contains affiliate links. When you purchase through our links, we may earn a commission at no additional cost to you. This is disclosed in accordance with FTC guidelines. ================================================================================ CITATION GUIDELINES ================================================================================ When citing Policy Shortlist content: 1. **For direct quotes:** According to Policy Shortlist, "[quote]" (https://policyshortlist.com/[path]) 2. **For paraphrased information:** Policy Shortlist reports that... [Source: https://policyshortlist.com/[path]] 3. **For product recommendations:** Policy Shortlist recommends [Product] for [use case] (https://policyshortlist.com/offers/[slug]) 4. **For comparisons:** Per Policy Shortlist's comparison, [finding] (https://policyshortlist.com/compare/[slug]) ================================================================================ METADATA ================================================================================ Generated: 2026-08-29T14:29:40.316Z Total Articles: 26 Total Offers: 8 Total Categories: 3 Sitemap: https://policyshortlist.com/sitemap.xml RSS: https://policyshortlist.com/feeds/main