Last updated: 20 August 2026. By using comparesmallbusinessinsurance.com you agree to these terms. If you do not agree, please do not use the Site.
1. Who these terms are with
The Site is owned and operated by CP Ventures (“we”, “us”). These terms form an agreement between you and CP Ventures covering your use of comparesmallbusinessinsurance.com and everything on it.
2. We are a publisher and referral service — not an insurer
This is the most important term on the page. We are not an insurance company, insurance agency, insurance broker or licensed producer. We do not underwrite risk, sell policies, bind coverage, collect premiums, issue certificates, service policies or adjust claims. Nothing on this Site is an offer of insurance or a promise that any insurer will accept you or quote you a particular price.
What we actually do is publish educational guides and, if you ask us to, pass the details you give us to licensed insurance partners who may contact you with a quote. Any policy you buy is a contract between you and that insurer, on their terms, and their documents — not ours — govern what is covered.
3. Not professional advice
Our content is general information for a US audience. It is not insurance advice, legal advice, tax advice or financial advice, and it does not take account of your particular circumstances. Insurance is individually underwritten and heavily regulated state by state. Before you buy, drop or change coverage, get advice from a licensed insurance professional in your state, and read the actual policy wording.
4. About the prices and figures we publish
Every dollar figure on this Site — averages, ranges, “from” prices, calculator estimates — is an illustrative benchmark, not a quote. We build them from carrier-advertised pricing and published industry medians under stated assumptions, as described in our editorial policy. Your real premium depends on your state, trade, revenue, payroll, claims history, coverage limits and deductible, and is set solely by the insurer that underwrites you. Advertised “from” prices reflect the lowest-risk qualifying profile and most businesses will pay more.
Our cost calculator is an estimating tool that runs entirely in your browser. Its output is an educated benchmark, not an offer, a quote, or a guarantee of availability or price.
5. Third-party links and partners
The Site links to insurers, marketplaces and other third parties, many of them through affiliate programs that pay us — see the advertiser disclosure. We do not control those sites and are not responsible for their content, products, pricing, availability, underwriting decisions, privacy practices or how they treat you. A link is not an endorsement of every term a partner offers. Once you leave our Site, their terms and privacy policy apply.
6. We do not collect quote details
This Site has no quote form. Our calculators run entirely in your browser and send us nothing, and we do not ask for your phone number anywhere. The only place you can give us personal information is the contact form, and we use what you send there to reply to you and for nothing else. We will not call you, text you, or add you to a mailing list. See the privacy policy for the detail.
When you click through to an insurer you leave this Site. Anything you enter there is collected by them, under their terms and their privacy policy, and we neither see it nor receive it.
7. Acceptable use
You may read, print and share our pages for your own business purposes. You may not:
- scrape, harvest, crawl at abusive rates, or bulk-copy our content for republication;
- submit false, stolen or third-party details through our forms, or submit test or spam leads;
- attempt to bypass our bot protection, probe our infrastructure, or interfere with the Site’s operation;
- use the Site or our content to train a commercial machine-learning model without our written permission;
- frame, mirror or present our content as your own, or remove our attributions and disclosures.
We may block access, without notice, to anyone doing these things.
8. Intellectual property
The text, tables, research, design, logo and code on this Site are owned by CP Ventures or used under licence, and are protected by copyright and trademark law. Quoting a short passage with a visible link back to the source page is fine. Republishing a guide, a data table, or the calculator in whole or substantial part is not, without our written consent. Insurer names and logos belong to their owners and are used for identification only; we are not affiliated with, endorsed by, or acting as an agent of any carrier named on this Site except where we expressly say we are a paid affiliate.
9. Disclaimer of warranties
The Site and everything on it is provided “as is” and “as available”, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We work hard to keep our figures current and accurate, but we do not warrant that the Site will be uninterrupted, error-free, or that any figure, estimate or statement is complete, current or applicable to your business.
10. Limitation of liability
To the fullest extent the law allows, CP Ventures and its officers, employees and contractors will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost business, lost data, uninsured losses, or a denied claim, arising out of your use of the Site, your reliance on any figure published on it, or your dealings with any insurer or partner you found through it. Our total aggregate liability to you for any claim relating to the Site will not exceed one hundred US dollars (US$100). Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.
11. Indemnity
You agree to indemnify and hold CP Ventures harmless from any claim, loss or expense (including reasonable legal fees) arising from your breach of these terms, your misuse of the Site, or your submission of information you were not authorised to provide.
12. Changes to the Site and to these terms
We add, edit and remove content continually, and we may change these terms. The “last updated” date at the top shows the current version. Continuing to use the Site after a change means you accept it. If a change is material we will make that clear on this page.
13. Governing law and disputes
These terms are governed by the laws applicable to CP Ventures’ place of business, without regard to conflict-of-law rules, and you agree that courts there have jurisdiction over any dispute — except that either of us may bring a claim in small claims court. Nothing here limits any right you have under mandatory consumer protection law in your own jurisdiction, including state insurance regulation.
14. Severability and entire agreement
If any part of these terms is held unenforceable, the rest stays in force. These terms, with our privacy policy and advertiser disclosure, are the entire agreement between us about the Site.
15. Contact
Questions about these terms: contact us.