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Business Insurance for Subcontractors

Say goodbye to big annual insurance premium payments. We know cash flow can be tight so we allow you to pay your insurance premium monthly with a credit card.

Get the Right Insurance for Your Company. Fast.

Hassle-free business insurance. 100% online. Pay monthly with a credit card.


$2+ Billion In Coverage Secured
  • RoadSync Logo

    Fast and easy. Layr got us the insurance we needed quickly and painlessly.

    Robin Gregg — RoadSync
  • Stord Logo

    Great service and pricing. I simply cannot say enough great things about Layr.

    Sean Henry — Stord
  • WattzOn Logo

    Outstanding service and savings! Now I've switched over all my policies.

    Martha Amram — GLYNT.AI
  • FivePoint Payments Logo

    So happy I found Layr! Very simple process and saved us a bunch of money.

    Joel Darby — FivePoint Payments
Meet Our Customers

The fastest way to get business insurance.

Researching and comparing business insurance takes weeks. With Layr, you enter basic information about your business and get a custom quote in 12 minutes. Add your credit card information and coverage will be activated within 48 hours.

Insurance tailored to your company’s risks.

Figuring out which policies you need to protect your business is exhausting. We use artificial intelligence to recommend and explain which policies and limits best suit your company. You save time and won’t pay for insurance you don’t need.

Cash flow friendly and affordable business insurance.

You’ve got to make payroll and keep your business protected. Pay for the coverage you need monthly with a credit card. Use the perks to take a vacation or reward your employees.

Top-rated carriers that cover businesses like yours.

Business insurance quotes are complex. Comparing coverage and limits is a time suck. Our smart application shops 15+ carriers for you. You're matched with the right policies from the right carriers in 12 minutes.

Insurance From Leading Carriers

CNA Insurance
Chubb Insurance
Beazley Insurance
Hanover Insurance
The Hartford Insurance
LLoyd's of London
Arch Insurance
Axis Insurance
Atlas Insurance
OneBeacon Insurance
AIG Insurance

Insurance From the World's Leading Carriers


Even More Benefits

In addition to the time saving easy-to-use features our modern insurance platform provides, we also include the benefits detailed below. We're confident that you've never experienced a business insurance provider like us and that there's no better way to purchase and manage commercial insurance.

Monthly Insurance Payments

Pay for Insurance Monthly

One reason nearly 8 million small businesses in the United States operate without business insurance is because carriers require them to pay the annual premium up front. We've removed this burden by allowing customers to pay their bundled annual insurance premium monthly and without down payments.

Credit Card Insurance Payments

Pay With a Credit Card

More than $300 billion of small business insurance premium is paid via check every year. We know modern businesses have moved away from writing checks and prefer to setup payments on a credit card. We're one of the few insurance brokers that accepts credit cards for all insurance premium payments.

Secure Business Insurance

Bank Level Security

We take the privacy and confidentiality of our users seriously and employ bank level security including 256-bit SSL encryption, intelligent activity monitoring, and automatic logouts in addition to using data centers with multiple layers of physical security like biometric scanning, retina scanning, and keycard access.

Licensed Insurance Agents

Licensed Human Support

We don't take for granted how important liability insurance is for a business or how big the decision is to commit to an insurance broker. While technology can do a lot, we'll always have licensed, U.S. based, human customer advocates standing by and ready to help with any insurance question or need that arises.

Top-Rated Insurance Carriers

Only A-Rated Insurance Carriers

We only work with well-established A or A+ rated insurance companies with a track record of paying claims quickly, and with a strong appetite and desire to work with micro, small, and medium-sized businesses. You never have to worry about your coverage being placed with an disreputable carrier.

Insurance in 48 Hours

Coverage Bound Within 48 Hours

One of the biggest advantages of our process is that we're able to secure insurance coverage extremely quickly. By automating the role of the underwriter, our carrier partners are able to bind coverage within 48 hours with most of our customers receiving their coverage the same day they complete a proposal.

—  Start Protecting Your Business With Layr  —

Hassle-free business insurance. 100% online. Pay monthly with a credit card.

☂️ Get Covered



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