Our editors update these comparisons twice a year based on our public review methodology. Every provider is evaluated on the same weighted rubric.
Best for: Micro-businesses under $500K revenue
| Starting price | $25/mo |
|---|---|
| BOP available | Yes |
| Financial strength | Aβ (AM Best) |
Best for: Consultants, agencies, small professional firms
| Starting price | $32/mo |
|---|---|
| E&O available | Yes |
| Financial strength | A (AM Best) |
Best for: Growing businesses that want one carrier for GL + property + workersβ comp
| Starting price | $45/mo |
|---|---|
| BOP available | Yes |
| Financial strength | A+ (AM Best) |
Best for: Homeowners prioritizing claims experience
| J.D. Power score | Top 1 |
|---|---|
| Financial strength | A+ (AM Best) |
Best for: Digital-native homeowners in supported states
| App | Native |
|---|---|
| Financial strength | Aβ (Demotech) |
| Bank | APY | Min. deposit | Fees | Best for |
|---|---|---|---|---|
| Marcus by Goldman Sachs | 4.40% | $0 | $0 | Simplicity, no fees |
| SoFi | 4.60% (with direct deposit) | $0 | $0 | Combined checking + savings |
| Ally Bank | 4.25% | $0 | $0 | Buckets and boosters |
| American Express HYSA | 4.30% | $0 | $0 | Existing Amex cardholders |
| Discover Online Savings | 4.25% | $0 | $0 | Full-service online bank |
| Bank | Monthly fee | Free transactions | Cash deposit cap | Best for |
|---|---|---|---|---|
| Chase Business Complete | $15 (waivable) | 20/mo | $5,000/mo | Full-service with branches |
| Novo | $0 | Unlimited ACH | Via money order | Freelancers & sole props |
| Bluevine | $0 | Unlimited | $4,000/mo | Interest-earning checking |
| Relay | $0 | Unlimited | $0 | Multi-user teams |
Best for envelope-style, zero-based budgeting. Steep learning curve but transformative.
Learn moreThe exact 27-page playbook our editors use with private-coaching clients β plus every Thursday, the Weekly Money Brief.
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