Insurance, priced honestly.
File.Business is not a licensed broker. We connect you to vetted independent brokers who quote across multiple carriers for general liability, professional liability, BOP, workers comp, cyber, and specialty lines.
Business Insurance, plainly.
Most small businesses need at least one or two insurance policies. General liability covers slip-and-fall, property damage, advertising injury, the everyday stuff. A Business Owner\u2019s Policy (BOP) bundles general liability with property coverage. Workers comp is required in every state once you have a W-2 employee. Professional liability (errors and omissions) covers service providers. Cyber liability covers data breaches and ransomware.
The problem with shopping insurance is that captive agents (State Farm, Allstate, Geico) only sell their carrier\u2019s policies. You get one quote, not comparison shopping. Independent brokers quote across multiple carriers, which is what you want. File.Business connects you to a network of independent brokers, not captive agents.
Our brokers handle the back-and-forth with carriers, get you 3 to 5 quotes for the same coverage, and bind the policy once you pick. We do not earn fees that bias the recommendation; brokers earn commission from carriers, which is standard in the industry.
Common situations.
What the network includes.
- Licensed independent brokers
- Multi-carrier quoting (3 to 5 quotes per request)
- General liability, professional liability, BOP
- Workers comp in every state
- Cyber liability
- Specialty lines (D&O, EPLI, product liability)
- Certificate of insurance issuance
- Annual review at renewal
- No File.Business fee
Four steps. We handle the rest.
How we compare.
- Multi-carrier quoting
- Licensed brokers
- Specialty lines available
- Same-day certificates
- Annual renewal review
- No File.Business fee
| Hiscox | Next Insurance | Local State Farm | File.Business | |
|---|---|---|---|---|
| Carriers quoted | 1 | 1 | 1 | 3-5 |
| Specialty lines | limited | limited | limited | broad |
| Certificate same day | yes | yes | no | yes |
| Renewal review | no | no | no | yes |
| Single bill with formation | no | no | no | n/a (direct broker) |
“I had a contract requiring $2M professional liability by Friday. Got matched Tuesday, quotes Wednesday, bound Thursday. The broker even noticed my GL was underpriced and saved me $400/yr there too.”
The File.Business Promise
If we miss a deadline on a service you pay us to manage, we cover the penalty. If you change your mind within 60 days, we refund our fee in full. Your data stays yours, always.
Common questions.
Does File.Business sell insurance?
Do you earn fees that bias the match?
How fast can I get coverage?
What states do you cover?
Workers comp in every state?
Cyber liability?
Annual renewal?
Certificates of insurance?
What if I have a claim?
Can I keep my existing broker?
Get quotes in about 5 minutes.
Tell us a few details. We do the rest. You get a single dashboard for everything.
On the $129/yr Compliance Annual Filings plan, we cover state late fees.
When you autofile your annual report through the $129/yr plan and we miss the deadline, we pay the state's late fee. The guarantee applies to that specific plan and the filings it includes. Other File.Business services are billed at the prices on this page.
Four steps from request to delivery
File.Business runs your filing on a single concierge workflow. You provide what we need; we handle the rest.
Tell us what you need
2-minute intake. We confirm the filing type, jurisdiction, and any supporting documents required.
We prepare the filing
Our specialists draft the document, validate against state requirements, and queue for your review where required.
We submit to the state
Filed through the state portal. We pay the state fee, track the submission, and resolve any state correspondence.
Confirmation in your vault
state-required document delivered to your SOC 2 encrypted document vault, with deadline tracking for the next filing.