Kinro

Kinro

Built for U.S. small businesses

Small business insurance. Skip the runaround.

Tell us what you do. We’ll help compare relevant coverage and available options.

Find my coverage now

1 of 3

Access to 50+ insurance companies, with help comparing the options that fit your business.

Coterie
Hiscox
biBerk

What you get

Clear guidance before you buy.

  1. 01

    Coverage guidance

    We identify the coverage that commonly fits your work and state.

  2. 02

    Available carrier options

    Compare price, limits, exclusions, and carrier fit with an independent agency.

  3. 03

    Fast human help

    A licensed Kinro agent texts or emails you within 2 minutes.

Built for your work

Start with guidance for your industry.

View all industries
Lawn care business
Lawn care
Plumbing business
Plumbing
HVAC business
HVAC
Trucking business
Trucking

Typical starting prices

What might business insurance cost?

Published monthly benchmarks vary by business, location, payroll, and coverage.

lawn care

$45–$55/mo

General liability

See details

plumbers

$100–$130/mo

General liability

See details

HVAC

$70–$90/mo

General liability

See details

trucking

$730–$930/mo

Commercial truck

See details

Market benchmarks, not quotes or guaranteed prices. Final premiums depend on carrier underwriting.

See Kinro in action

Business insurance that works when you do.

See how Kinro helps busy owners understand their needs, compare insurance options, and keep moving - even outside traditional agency hours.

  • Available nights and weekends
  • Compare relevant coverage options
  • Help from licensed insurance agents

Ask Kinro anything about insurance.

Understand your current coverage, figure out what insurance your business needs, or get guidance on handling a claim.

Go to InsuranceGPT

Understand your options

Compare the coverage your business may need.

Start with the essentials, then let a licensed Kinro agent help you compare carrier options, limits, exclusions and price.

Find my coverageExplore coverage options
General liabilityInjuries, property damage, completed work and COIs.Business owner's policyLiability plus property, equipment and business income.Workers compensationEmployee injuries, payroll and state requirements.Commercial autoBusiness vehicles, drivers, radius and loss history.
Learn from official sources:U.S. Small Business AdministrationU.S. Department of LaborNAIC state insurance departments

Common questions

Answers before you get started.

How much does business insurance cost?

Price depends on your work, location, payroll, revenue, claims, vehicles, and coverage limits. Kinro helps compare available options for your business.

What coverage does my business need?

It depends on your activity, state, employees, vehicles, property, and contracts. You do not need to choose coverage before starting.

What happens after I submit my details?

A licensed Kinro agent reviews your request and texts or emails you within 2 minutes to help with the next step.

Is there any obligation to buy?

No. Starting a request does not require you to purchase a policy.

Why our insurance agency is built different.

We make shopping for insurance simple, fast and transparent.

  • Answers in minutes, not days of phone tag, before and after you buy.
  • We dig into your real risks so you're never over- or under-insured.
  • Independent advice: we compare our carriers to find the right coverage at the best price.
  • Before every renewal, we shop the market again to find our clients the best available price.