About The Cover Stack

The Cover Stack is an independent editorial project that reviews the providers small businesses use to buy liability, professional and legal-expenses insurance. We are not any of the providers listed, and we don’t provide insurance or financial services ourselves — we point you to the tools and explain what each is for.

How we choose what to list

We start from a broad shortlist and try to open every provider’s live site by hand. That check regularly catches name collisions — a product that shares a name but turns out to be something entirely unrelated to small-business insurance, which we leave off. Where a redirect or a bot-wall stops us from loading a site, we describe that provider from its own public positioning and say so on its card rather than guess. What we dropped and why is on the homepage.

How we make money

The outbound links are affiliate links: if you sign up through one after clicking through, we earn a commission. Every provider here runs an affiliate programme — that is the pool we work from — but which ones we include, and how we group and rank them, is our editorial call, and the commission does not change it. Every affiliate link is marked nofollow sponsored.

Independence & accuracy

Descriptions are based on each platform’s own public positioning, checked live on 2026-07-17. Where a site blocked our live check, we say so on the card rather than guess. If something is out of date or wrong, tell us and we’ll fix it.

Contact

Editorial or correction requests: hello@insurance.skillscreen.net (see also Contact).