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Armed Forces Insurance: your military business insurance trusted advisors

You worked hard for your business. So, naturally, you want to protect it. That's why Armed Forces Business Insurance offers comprehensive veterans and military business insurance packages to protect you as a business owner. We’re here to help protect your business property and vehicles from liability.

Why get an Armed Forces Insurance Business Insurance policy?

Protecting the businesses our military personnel and veterans create is an honor. We work hard to reflect your commitment to duty, honor and integrity, and we'll work just as hard for your business. With AFI you'll get a personal insurance agent dedicated to you, as well as business insurance coverage plans built with the unique needs of your business in mind.

Not military? Not a problem!

Active-duty, veterans and their families are eligible for AFI membership. We also shop top carriers for anyone who wants great rates and service.

Make a sound business decision: Trust AFI with your business insurance.

Armed Forces Insurance is the name military families have trusted with their home, renter, auto and other insurance needs for 137 years and counting. Through partnerships with multiple national carriers, we have expanded our services to include insurance for your business.

Our agents work to understand your unique business needs so they can help you get the coverage that fits you. Specifically, AFI agents can:

• Explain your business insurance coverage options
• Make sure you have appropriate coverage for your business
• Help you understand the claims process

Types of Business Insurance available

There are many coverage options available to protect your business. Our experienced military and veterans business insurance agents can help find the best coverage to protect your investment while giving you the peace of mind you deserve.

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As a veteran-owned small business we face challenges that require us to wear many hats. When I started Gooey someone gave me a piece of advice, "do what you do best and hire experts to do everything else". I truly feel like I have hired an expert to take care of my business insurance. You get us veterans!

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USAA, Serving Military and Veterans, Enters Small Business Insurance Market

The insurer that targets members of the military and veterans, USAA, is going to start writing its own small business insurance policies for the first time.

The company will initially offer the coverage in five states – Arizona, Colorado, Illinois, South Carolina and Tennessee. Plans call for an ongoing rollout to other states through 2021.

The insurer – which serves insureds or members who are in the U.S. military currently, military veterans, and their families —has for 30 years offered small business insurance from unaffiliated companies through its USAA Insurance Agency. This is the first time USAA will be offering its own product, a move it said is based on increased member demand.

Its new small business insurance is underwritten by subsidiary Garrison Property & Casualty Insurance Company of San Antonio.

“For small business owners, their business is their life and livelihood,” Jim Syring, retired Vice Admiral, United States Navy, and USAA’s Property and Casualty president, said in prepared remarks. “They put their heart into building their business and work around the clock to make it a success. We believe we understand veterans better than anyone and want to be there to support them and their business every step of the way.”

The military veteran-related small business market is a sizable one. There are 2.4 million veteran-owned small business firms, and they employ 5.8 million people, according to statistics from the U.S. Small Business Administration. These businesses cover a variety of sectors including finance and insurance, transportation and warehousing, mining, construction, manufacturing, wholesale trade, real estate, utilities, agriculture and forestry.

USAA said its new coverage will be able to “help protect small business owners of virtually any size, in any industry and virtually every state.” The insurer said it can serve businesses of all sizes through USAA Insurance Agency, but its “manufactured product” is currently targeted to businesses with under $500,000 in annual revenue.

USAA said it will expand its offerings as it looks to serve evolving member needs.

Initially, USAA is marketing a business owners policy product with basic, standard and premium levels of cover. Coverage elements include business liability, business personal property, business income, cyber, computer fraud, terrorism, hired and non-owned auto, and employment practices liability.

Workers’ compensation coverage will be offered through USAA’s agency partners.

USAA will sell its small business products and its ongoing agency offerings both digitally and through member service representatives.

USAA Insurance Agency will still offer business insurance products underwritten by third-party insurers. USAA or its affiliates are not involved in the underwriting, but the agency gets a commission on the sale or renewal of these products, as well as potential performance-based compensation, the company said.

Source: USAA .

Topics Trends Commercial Lines Business Insurance New Markets Market

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Why military and veteran entrepreneurs need small business insurance

EDITOR’S NOTE: This article was updated Sept. 21, 2022.

A few years ago, staff at USAA kept hearing the same question: “Do you offer small business insurance?”  

So, in January 2021, USAA gave its members what they wanted and created coverage available in 30 states underwritten by USAA.  

Traditionally focused on providing military members and their families with personal lines of insurance, such as auto, life and home policies, USAA began helping people in 1922. It knows how to listen with a goal of pinpointing each person’s insurance needs — then tailors a policy to meet those needs.   

READ: These veterans turned into millionaires using skills learned in the military

Effective and efficient insurance coverage means protection from financial setbacks, so it makes sense that USAA members should have it for their small business. In fact, entrepreneurship has become a growing career choice among those with a military affiliation. According to the Small Business Administration, veterans are 45% more likely to be self-employed than non-veterans. Plus, military spouses are choosing to launch businesses, in part, to overcome ongoing employment challenges that can be presented with frequent PCS moves.   

Larry Williams, VP of USAA Small Business Insurance, says it is a trend that is likely to continue as the pandemic nears its third year.

“We’re seeing a growth of small businesses coming out of the global pandemic. Plus, the percentage of veteran-owned businesses seems to be increasing at faster rates than the general population,” Williams said. “We’re really excited as we go toward our next 100 years to have launched these new small business policies. We’re leaning into our mission of offering a full suite of competitive products for the military.”  

Does every military or veteran entrepreneur need small business insurance?   

Yes, says Sean Scaturro, director of insurance advice at USAA. He’s seen some owners thinking they’re too small to worry about it.  For example, a photographer might think, ‘It’s just me. What could go wrong?’ Scaturro believes it’s probably the No. 1 mistake entrepreneurs make. Protect your financial well-being, no matter your size, Scaturro advises.  

“You almost have to be a little cynical, to be able to evaluate risks you could face,” he said of small business owners. “And if we can’t be cynical enough ourselves, we’ve got to pick up the phone and speak to an expert who can evaluate all of the threats. USAA answers questions from business owners and also asks questions that a business owner doesn’t always know to ask.”  

They need to consider the size of their business; how it’s structured legally; how many, if any, employees; current earnings; assets; liabilities; potential hazards; and potential expansions.  

Williams knows it can be hard to find the time to analyze all the details: Business owners work all day because they’re building what they created. Then many take care of families for a bit in the evening and return to managing their business afterward. Investigating USAA coverage is one of the tasks they can complete then — or anytime.  

“We see quite a bit of our members interacting with us after hours. We’ve sold policies all throughout the night, which is probably when they finally have time,” Williams said.   

Visiting usaa.com/smallbusiness makes it easy. Answer a handful of questions, and the business owner learns what insurance options are available.   

Doing so isn’t a one-and-done deal, though.    

“It is very important that small business owners reevaluate their business with some regularity,” Williams stressed. “Make sure that they don’t have any changes that are complicating their policies. Maybe they added a new location or they’re selling a new product or they’re offering a new service.”  

Owners should think about how their business has changed — or will soon change — at least once a year. Next, they should check in with their insurance agent and adjust their policy to match their business plan.       

Williams grew up in a family of entrepreneurs, learning at a young age that small businesses are “the driver of the economy,” he emphasized. When a small business owner is also connected to the military, he feels an even greater pull to assist them.      

“I want us to provide protection of their American dream as they put their lives on the line to protect ours,” he said. “It’s very personal to me that we’re there for those members when they need us most.”  

Visit usaa.com/smallbusiness to get started.  

Kristen de deyn kirk.

Kristen De Deyn Kirk is a Coastal Virginia, award-winning freelance writer with 25 years experience. Born an Army brat (and grateful her dad made it back from his Vietnam tour in time for her birth), she now lives vicariously through her military friends’ adventures, observing the challenges and opportunities they face serving their country. Learn more about Kristen’s work covering business, healthcare, education and technology – and see a picture of her cute dog – at www.kristendedeynkirk.com.

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We Are The Mighty (WATM)

Why Military And Veteran Entrepreneurs Need Small Business Insurance

Posted: January 31, 2023 | Last updated: September 22, 2023

A few years ago, the staff at USAA (a financial services company formally known as United Services Automobile Association) kept hearing the same question: “Do You Offer Small Business Insurance?”

So, in January 2021, USAA gave its members what they wanted and created coverage available in 30 states underwritten by USAA.

Traditionally focused on providing military members and their families with personal lines of insurance, such as auto, life and home policies, USAA began helping people in 1922. It knows how to listen with a goal of pinpointing each person’s insurance needs — then tailors a policy to meet those needs.

Effective and efficient insurance coverage means protection from financial setbacks, so it makes sense that USAA members should have it for their small business. In fact, entrepreneurship has become a growing career choice among those with a military affiliation. According to the Small Business Administration, veterans are 45% more likely to be self-employed than non-veterans. Plus, military spouses are choosing to launch businesses, in part, to overcome ongoing employment challenges that can be presented with frequent PCS moves.

Larry Williams, VP of USAA Small Business Insurance, says it is a trend that is likely to continue as the pandemic nears its third year.

“We’re seeing a growth of small businesses coming out of the global pandemic. Plus, the percentage of veteran-owned businesses seems to be increasing at faster rates than the general population,” Williams said.“We’re really excited as we go toward our next 100 years to have launched these new small business policies. We’re leaning into our mission of offering a full suite of competitive products for the military.”

Does every military or veteran entrepreneur need small business insurance?

Yes, says Sean Scaturro, director of insurance advice at USAA. He’s seen some owners thinking they’re too small to worry about it. For example, a photographer might think, ‘It’s just me. What could go wrong?’ Scaturro believes it’s probably the No. 1 mistake entrepreneurs make. Protect your financial well-being, no matter your size, Scaturro advises.

“You almost have to be a little cynical, to be able to evaluate risks you could face,” he said of small business owners. “And if we can’t be cynical enough ourselves, we’ve got to pick up the phone and speak to an expert who can evaluate all of the threats. USAA answers questions from business owners and also asks questions that a business owner doesn’t always know to ask.”

They need to consider the size of their business; how it’s structured legally; how many, if any, employees; current earnings; assets; liabilities; potential hazards; and potential expansions.

Williams knows it can be hard to find the time to analyze all the details: Business owners work all day because they’re building what they created. Then many take care of families for a bit in the evening and return to managing their business afterward. Investigating USAA coverage is one of the tasks they can complete then — or anytime.

“We see quite a bit of our members interacting with us after hours. We sold policies all throughout the night, which is probably when they finally have time,” Williams said. Visiting usaa.com/smallbusiness makes it easy. Answer a handful of questions, and the business owner learns what insurance options are available.

Doing so isn’t a one-and-done deal, though.

Owners should think about how their business has changed — or will soon change — at least once a year. Next, they should check in with their insurance agent and adjust their policy to match their business plan.

Williams grew up in a family of entrepreneurs, learning at a young age that small businesses are“the driver of the economy,” he emphasized. When a small business owner is also connected to the military, he feels an even greater pull to assist them.

“I want us to provide protection of their American dream as they put their lives on the line to protect ours,” he said. “It’s very personal to me that we’re there for those members when they need us most.

Visit usaa.com/smallbusiness to get started

The post Why Military And Veteran Entrepreneurs Need Small Business Insurance appeared first on We Are The Mighty .

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Veterans, MOD civilians and contractors and forces family and friends.

Small business insurance.

Product Overview

Trinity has teamed up with Ripe Small Business, a leading insurance provider offering our veterans customers or partners and family members of serving military personnel, the small business insurance they need.

With insurance cover available for self-employed or small businesses across many professions, you are able to get a quote in just a few minutes and get your business covered. There is insurance available for builders, carpenters, electricians, hairdressers and beauticians to name a few.

Who is this suitable for?

Regulars and Reservists serving in the United Kingdom’s Armed Forces: The Royal Navy/Royal Marines, the British Army and the Royal Air Force. Veterans and MOD civilians and contractors.

Why Buy Small Business Insurance?

Every business is different and will carry different risks but in all scenarios it’s important to ensure you have the right insurance policy in place to cover you for the unexpected. This could be loss of tools or equipment due to theft, damage caused to a third party property or injury caused to another person through your professional work.

Public Liability Insurance

If you were to cause accidental damage to a property or cause an injury to someone whilst at work, and were found to have been negligent you would be forced to pay for any associated costs, expenses and compensation. With Public Liability insurance incidents like this will be covered. This is important insurance for any type of business that deals with customers not just the obvious tradespeople roles who are dealing with other people’s property every day. If you have customers visit your home or you visit their home, have you considered what you could be liable for if they had an accident in your home?

Theft and Damage Cover

Have you thought about how you would replace your vital tools or equipment if they were to get damaged, vandalised or stolen? Any professional that uses tools in their work should consider insuring them. This can include builders, carpenters, engineers, flooring contractors, hairdressers and locksmiths. There are different cover levels depending on what you need to cover so you can build out a policy that suits your individual business needs.

What's Covered?

• Public Liability up to £5m
• Employers Liability up to £10m
• Tools insurance
• Goods in transit insurance
• Contract works
• Own plant and hired-in plant insurance
• Free accidental death insurance
• Fixed woodworking machinery insurance

Talk to Trinity! Our customer service team are here to help. Call 01243 817777 or email [email protected].

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Business Insurance: Get a Quote Today

Business insurance, also known as commercial insurance, can help protect your business from unexpected expenses related to property damage, legal liability, workers' compensation, and more. Whether you are just starting out and shopping for a small business insurance or just looking for better rates or coverage, having the right insurance policy can make all the difference when you really need it. Help protect your business against financial risk with a business insurance policy that's right for you.

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Getting business insurance can be tricky, but GEICO is here to help. Just answer a few short questions about your business and its insurance needs so we can help find the best policy or policies for you. Or, if you already know what you need, browse our entire line of business insurance policies.

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Business Owners Policy (BOP)

If you have business property like contents, inventory, or a storefront a BOP policy may be best for you.

In addition to 3rd party liability coverage in the event of a claim, this policy combines:

• Damage to business property
• Defense costs
• Income loss, and more

General Liability Insurance

No matter where you work, your businesses should have liability insurance. This policy provides protection for your business in the event of a 3rd party claim for property damage, bodily injury, and lawsuits costs for covered losses.

If you're looking for additional coverage for:

• Product inventory
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A Business Owners Policy (BOP) could be a better fit.

Professional Liability Insurance

If your business provides professional advice you'll want to add this coverage. Professional Liability covers negligence claims that could arise from your services, even if you haven't made a mistake.

Commercial Auto Insurance

If your company owns vehicles that are used as a part of your job, you'll need Commercial Auto Insurance.

Workers' Compensation Insurance

If you have employees you're required by law in most states to carry this coverage for an employee's medical expenses, lost wages, and rehabilitation services that result from a workplace injury or illness.

Medical Malpractice Insurance

If you're a healthcare or wellness professional, protect yourself and your career with a Medical Malpractice policy.

Cyber Liability Insurance

Protects businesses from computer-related attacks, such as malware, phishing, ransomware or if a laptop with confidential information is stolen. To quote, call (800) 448-8244

Already know what you need? See all of our Business Insurance products.

Types of Business Insurance

GEICO offers a range of business insurance policies for almost any type of business, including liability coverage, commercial vehicle insurance, and even cyber liability. Browse our selection below to get more information about the business insurance that's right for you!

Two coverages you need, combined in a single policy. See why businesses trust GEICO to help them with their business insurance needs with coverage for:

• Bodily injury or property damage
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• Business furniture and equipment

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General Liability Insurance/CGL

CGL can help cover your business while performing normal operations. Coverages include:

• Physical injury liability
• Property damage liability
• Lawsuits costs for covered losses

From Personal Trainers to IT Consultants, you need Professional Liability Insurance (PL), also called Errors & Omissions (E&O) insurance. This coverage protects you for:

• Mistakes or advice your company makes in business
• Legal defense costs
• Services completed

Workers' Compensation

This coverage is mandatory if your business has employees. Workers' comp covers a business' employees if they're injured at work. In general, policies cover:

• Medical expenses
• Rehabilitation expenses

Quick, easy, comprehensive coverage for groups and individuals working as Nurse Practitioners, Physician Assistants, Nurse Anesthetists (CRNAs), Registered Nurses, Optometrists, Physical Therapists, Yoga Instructors, Personal Trainers, Nursing Students, and other medical professionals. What's included:

• Protection against claims of negligence
• Defense counsel costs
• Professional reputation coverage

If the driver of a vehicle uses it for their job, work or business, you need a commercial policy. You may need commercial coverage if:

• The vehicle is used to transport goods or people
• The vehicle is used to perform a service
• Employees drive the vehicle

Protects businesses from computer-related attacks, such as malware, phishing, ransomware or if a laptop with confidential information on it is stolen. To quote, call (800) 448-8244

Business Insurance: Get the answers you're looking for.

• What's so important about business insurance? Business insurance covers the costs of property damage and liability claims. Without business insurance, you could pay exorbitant out-of-pocket costs for damages or claims against your enterprise.
• What does business insurance cover? There are multiple types of business insurance. What your policy covers will depend on the type of business you own and the coverage you choose. Generally, business insurance is designed to cover bodily injury or medical expenses, libel, slander, defending lawsuits, and settlements from court claims.
• What kind of business insurance do I need? General liability insurance is typically a good idea for most businesses. If you have a company car, commercial auto insurance is a necessity.

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Small Business Trends

The sba launches its 10th annual national veterans small business week.

The U.S. Small Business Administration (SBA) launches its 10th annual National Veterans Small Business Week (NVSBW) from October 30 to November 3.

Administrator Isabel Guzman, the chief representative of the SBA and a pivotal figure in President Biden’s Cabinet overseeing America’s 33 million small enterprises, spotlighted the SBA’s continuous efforts to uplift the almost two million small businesses run by veterans and military spouses.

Events, both virtual and on-site, are scheduled throughout the week, featuring various narratives of veteran entrepreneurs and showcasing SBA’s consistent support to this group. Subjects range from transition assistance, entrepreneurial coaching, government contracts, and disaster assistance to much-needed access to capital. Presently, approximately 100 virtual events are scheduled, all of which are free and open to the public. A detailed calendar and registration information can be found at sba.gov/nvsbw .

“For the last 10 years, the SBA has celebrated National Veterans Small Business Week to honor and highlight America’s nearly two million veteran entrepreneurs who have served our nation heroically in the military and now as leaders of their local communities,” stated Administrator Guzman. She further emphasized that the Biden-Harris Administration is unwavering in its commitment to veteran support, with the SBA playing a crucial role in facilitating veterans, transitioning service members, and military spouses toward achieving the American dream via business ownership.

The administration hasn’t limited its support to only veteran business owners. Recently, the Biden-Harris Administration declared an executive order specifically focused on assisting military spouses in their business endeavors. The SBA will ensure these spouses receive the necessary resources, capital, and specialized support.

In the past year alone, the SBA has initiated pivotal changes to serve veteran and military spouse business owners better:

• The SBA Veteran Business Certification program was launched, enhancing federal contracting opportunities for service-disabled veteran businesses.
• The Veteran Business Outreach Center (VBOC) program witnessed an expansion, growing from 22 to 28 centers nationwide.
• A loan program overhaul was implemented to increase capital accessibility for veteran businesses.
• A novel Military Spouse Pathway to Business training program was introduced, targeting military spouses embarking on their entrepreneurial journeys.

These veteran-led businesses are not just numbers but significant contributors to the U.S. economy, offering employment to over five million Americans and generating a whopping $1.3 trillion in sales.

Small Business Deals

For further details about the National Veterans Small Business Week, including upcoming events, visit sba.gov/nvsbw . Engage in the online discourse using the hashtag #NVSBW23.

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SMALL BUSINESS INSURANCE

Help protect yourself and your business., for as little as 83¢ a day 1 , small business insurance can provide peace of mind while you work towards your business goals., let usaa or the usaa insurance agency help protect what you've worked hard for..

While working at a customer’s home, your ladder falls and breaks their window.

A business owners policy or general liability coverage can help cover expenses related to third-party property damage.

Common Types of Commercial Insurance

Business owners policy.

This policy packages three essential coverages: general liability, property and business income.

General Liability

Coverage for common business risks including bodily injury, property damage and advertising injury. Required for most commercial leases.

Workers' Compensation

Required for businesses with employees in almost every state, workers' comp can help cover medical fees and lost wages for work-related illnesses and injuries.

Other Small Business Insurance Products

Professional liability.

Sometimes known as errors and omissions, this coverage helps protect your business from claims of negligence or financial harm resulting from your professional service or advice. Learn more about   Professional Liability .

Cyber Liability

This policy helps businesses survive data breaches and cyberattacks by helping to cover recovery expenses and associated costs. Learn more about   Cyber Liability .

Umbrella Insurance

This policy adds an additional layer of coverage above your existing policies’ liability limits in the event of catastrophic claim.

Commercial Auto

This coverage helps protect your business and the vehicles you use. Learn more about   Commercial Auto .

Additional Products and Services to help support you and your business

Business perks.

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Small Business Insurance FAQ

Small business insurance refers to a variety of coverages that can help protect your business from claims or lawsuits resulting from property damage, professional errors, employee injuries and much more.

If your business has employees, most states require you to have workers’ compensation coverage. Leases and business contracts typically require that you carry liability coverage as well.

Small business insurance can help protect you and your business from unexpected claims and lawsuits. Without it, you may be responsible for paying these expenses out of pocket. If you’re not adequately covered, a large claim could potentially put you out of business.

Let us help protect what you've worked hard for.

• Small Business Cover

For more complex needs you can call us for a quote or email us at [email protected]

You can get an instant quote for liability cover and buy cover online if your needs are met by the following range and limits of cover:

• Public Liability  – up to £5m
• Employers Liability  –  up to £10m
• Tools  –  up to £10,000
• Mutual Product

Email Us On [email protected]

For more complex needs you can call us for a quote. We can offer a wide range of cover for your business, charity or museum including:

• Professional Indemnity
• Property and Material Damage
• Contents and Stock
• Business Interruption
• Public and Products Liability
• Employers Liability
• Personal Accident
• Legal Expenses

Pay Monthly at No Extra Cost – Interest Free

These products are designed for a wide range of small businesses including, retailers, sole traders, partnerships, charities  or museums with with varying complexity of needs. 

Your cover will either be provided by the Mutual ourselves or a mixture of ourselves and third party underwriters based on the needs you specify to us.  

• Liability Product

Quick Quote Online

You can get an instant quote for liability cover and buy cover online if your needs are met by the following range and limits of cover:

• Public Liability  – up to £5m
• Employers Liability  –  up to £10m
• Tools  –  up to £10,000

This products is designed for any small business, sole trader or partnership seeking Liability cover. This cover is important if you:  

• Interact with customers, clients and members of the public
• Undertake work on client sites such as construction sites or a clients home or office
• Work at events or fairs
• Have visitors to your premises or meet people in public through your work
• Need cover for your tools or business equipment

This product is underwritten by Convex Insurance UK. Convex Insurance UK Limited is a company registered in England & Wales with registration number 11796392.  Registered address at 52 Lime Street, London, EC3M 7AF United Kingdom.  Convex Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register Number 840616).

Whatever product you decide is right for you by purchasing cover you will become a member of The Military Mutual, be able to have a say in what we do and, help us to fulfil our aim of supporting the Military Family.  We are especially focussed on the needs of military charities, museums, service funds, military veteran owned businesses and proud supporters of our armed services. 

Who Provides Your Cover

The Military Mutual offers cover on a discretionary basis to its Members which means the Board can, at its discretion, settle claims outside the normal terms and conditions if they feel that Members would support this.

We collect contributions from our Members and use the contributions to pay claims and to cover operating expenses. Any surplus beyond these needs belongs to our Members and can only be used for the benefit of our Members or as agreed by our Members.

As an added benefit of membership, TMM has purchased for some of our discretionary mutual products additional protection for itself and for the benefit of our members via contractual insurance policies. These Group Insurance Policies exactly match your mutual cover with us. The protection available under these policies guarantees that you will be paid for a covered loss in the event that we do not pay you in full under the discretionary cover. These Group Insurance Policies are quite separate from your discretionary cover  and are available on request by emailing: [email protected]

The Military Mutual provides cover for employee liability claims in our mutual product. However, in order to meet the statutory requirements for Employee Liability protection we have provided members with additional contractual insurance through an additional policy with a 3rd party insurer.  This policy exactly matches your mutual cover and allows an Employee Liability Certificate of Insurance to be issued to you alongside your mutual cover.

© 2022 The Military Mutual. The Military Mutual Limited is a company registered in England and Wales with registered number 7147130 and its registered office is The Minster Building, Great Tower Street, London, EC3R 7AG. The Military Mutual Limited (FRN: 623886) is an appointed representative of MGA Managers Limited which is authorised and regulated by the FCA under FCA Ref: 771791. MGA Managers Limited is a company registered in England and Wales No. 10361505. Registered office Craven House, 16 Northumberland Avenue, London, United Kingdom, WC2N 5AP

The Military Mutual also offers a core Liability cover under our own brand but underwritten by Convex Insurance UK through a Coverholder Agreement with MGA Mutual Limited.

The Military Mutual will receive a commission from this business which will go into the mutual fund and be used to cover our operating expenses and benefit the work we do in support of the military family. 

If you buy cover from The Military Mutual through this route you still become a member of the Mutual. 

We only work with trusted partners who provide quality cover and claims service and we will be fully engaged in the service you receive. The Military Mutual will administer your policy.

If you need to make a claim, Convex Insurance UK will work closely with you to minimise the impact on your operations. Their approach is aligned well with ourselves with a strong desire always to be fair and transparent – communicating clearly and working collaboratively with you to resolve any issues. As a member of the mutual you also have the ability to appeal to the Board of The Military Mutual for consideration of a discretionary payment from the mutual fund if your claim is not covered by your policy terms and conditions and you feel a payment could still be justified.

“ Telephoned Military Mutual today after receiving their leaflet through the post and I am glad i did, i was speaking with a very pleasant young lady Sasha who set up my home and contents insurance very promptly and at a very reasonable price. ” A. Perry

“ I have received the payment, thank you so much for all your help, you’ve been really helpful and I’m very pleased that I picked such a good company for my home cover! ” K. Kerridge Home Insurance customer

“ I appreciate The Military Mutual helping out an ex-serving member. It’s nice to see a company that helps out the military and ex-military personnel. ” CD, Midlothian (ex-Army) Buildings & Contents Cover

“ I sent an email in the morning and got a call back in the afternoon. After a good, interesting and informative conversation I have happily taken out a policy, and will come back for a car insurance quote as and when. ” DB, Gosport (ex-Royal Navy) Home & Contents Cover

“ I found The Military Mutual to be prompt; you rang us today as you said you would. The people I spoke to were courteous, and gave me very competitive prices. I cannot fault you! ” GJ, Manchester (ex-Army) Home Cover

“ The Military Mutual has given me an outstanding quote. I am truly impressed on how superb the service is and I will recommend The Military Mutual to everybody who asks me. ” GS, London (currently serving in the Army) Military Kit & Personal Belongings Cover

“ I follow The Military Mutual on Twitter and I think that it’s really good that you look after military personnel. You answered all my questions and explained all of my options. I had an A1 service from the people I spoke to. ” DH, Gosport (ex-RN) Home Cover

“ Very friendly and helpful. Great product, price and service. Highly recommend. ” MS, Devon (ex-army) Home Cover

“ I would like to take this opportunity to congratulate you on your colleague Steve’s professional and courteous manner in which he dealt with me on the phone. After saving £90 on my Home Insurance renewal I will have no hesitation in recommending your company to my friends and colleagues! ” Mr Gary D

Frequently Asked Questions

What does our small business cover provide.

Our Small Business Cover can protect you, your business and your property, whether you’re a sole trader or a growing enterprise.  It can cover a number of risks including public liability, employers’ liability, professional indemnity, business interruption, stock, buildings, contents fixtures and fittings.

The kind of cover you need will depend on the sort of business you run.

Do I need Small Business Cover?

Regardless of what your business does, anyone in the UK that employs one member of staff or more is required by law to have employers’ liability cover.

This cover covers the business in the event that an employee who is injured at work or who becomes ill as a result of their work for the business makes a claim for compensation.

Certain types of businesses – for example, government departments and businesses which are not limited companies and only employ family members – are exempt but all other businesses must comply with the legislation.

Even if you’re a sole trader or freelancer it’s likely you’ll still need public liability cover; this is the most common type of cover taken out by small businesses.

What is public liability cover?

Public liability insurance covers your business if someone dies or is injured in some way by your business, or if you damage third party property when carrying out work. Bear in mind that even minor damage to someone else’s property could lead to hefty costs if the case goes to court, and these are included in the cover.

What is employers’ liability cover?

Employers’ liability insurance is required by law if you employ one or more people.

It’ll cover claims from employees who’ve been injured or become ill as a result of working for you. If you have employees, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance.

What is professional indemnity cover?

If you provide advice to customers you’ll want to consider professional indemnity cover. It’ll keep you covered if a client suffers a financial loss through the advice you give, and makes a claim which you’re unable to pay.

What type of cover do I need?

Every business is different and the type of cover required largely depends on what type of business you operate, how large it is and what sort of assets you need to protect. Why not give us a call to discuss your needs further on [email protected] .

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© 2023 The Military Mutual. The Military Mutual Limited is a company registered in England and Wales with registered number 7147130 and its registered office is The Minster Building, Spaces, Great Tower Street, London EC3R 7AG. The Military Mutual Limited (FRN: 623886) is an appointed representative of MGA Managers Limited which is authorised and regulated by the FCA under FCA Ref: 771791. MGA Managers Limited is a company registered in England and Wales No. 10361505. Registered office Craven House, 16 Northumberland Avenue, London, United Kingdom, WC2N 5AP

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In addition to the discretionary protection, we also arrange insurance contracts with Builders Direct S.A., a European company authorised to operate in the UK and rated A- (Excellent) by A.M. Best for its financial strength. The purpose of this insurance protection is to provide you with contractual insurance rights alongside your discretionary cover. Members of The Military Mutual therefore have two layers of protection within their cover for increased security and peace of mind. For cover incepted or renewed prior to 1st February 2019 this extra insurance protection was provided on an individual basis.

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• Car Insurance Companies

Best Military Car Insurance

Compare the best car insurance for military members and their unique needs

We independently evaluate all recommended products and services. If you click on links we provide, we may receive compensation. Learn more .

Car insurance is never a one-size-fits-all product. While needs often change based on age or geographical location, auto insurance requirements for military members look completely different from what they do for the average Joe working a 9 to 5. Men and women in the military often relocate to new bases or end up deployed overseas at some point during their service, and these changes don't require the same coverage.

The good news is that many car insurance and motorcycle insurance companies offer specialized coverage for men and women in the service. Some insurers, like USAA and Armed Forces Insurance, specifically cater to veterans and active-duty personnel, while others offer discounts and special coverage options. We looked at more than a dozen car insurance companies to determine which provide the best types of coverage and discounts for service members.

To finalize our list of the best military car insurance, we analyzed the top 12 insurers, taking into consideration features and policy limits that best serve members of the military. We also considered insurers' J.D. Power customer service rankings, too.

Best Military Car Insurance of November 2023

• Best Overall for Military Members and Families: USAA
• Best Military Discounts: GEICO
• Best for Veterans and Retired Military: Armed Forces Insurance
• Our Top Picks
• Armed Forces Insurance
• Compare Providers

The Bottom Line

• Car Insurance for the Military

What Is a Typical Military Discount?

• Who Offers Military Discounts?
• Veterans & Car Insurance Discounts
• How Can You Get a Discount?

Methodology

Best overall for military members and families : usaa.

USAA caters exclusively to current and former service members and their families and offers unique coverage, incredible discounts, and outstanding customer service. This is why USAA earns our top spot in the round up of the best military car insurance.

Pros and Cons

One-stop shopping for insurance and banking needs

Available nationwide

Offers several unique discounts for military members

Eligibility strictly limited to current/former military, their spouses, and children

Like most other auto insurance carriers, USAA's policies offer:

• Bodily injury liability
• Property damage liability
• Collision and comprehensive coverage
• Uninsured motorist coverage
• Personal injury protection and medical payments
• Roadside assistance and towing coverage
• Rental car reimbursement

USAA doesn't just cover cars. It also offers insurance for motorcycles, recreational vehicles (RVs), and boats. Additionally, USAA has rideshare coverage for Lyft  and Uber drivers , homeowners and renters insurance, and life insurance. USAA members can also elect for additional health insurance benefits, pet insurance, and dozens of other unique coverage options. All of these options make USAA a one-stop shopping option for your insurance needs.

USAA offers several unique discounts for military members. For starters, active-duty military who store their vehicle on a military base can receive a 15% discount on comprehensive coverage. Furthermore, if you store your car while deployed overseas, USAA offers a 60% discount on your monthly premium. If your parents were USAA members, there is a legacy discount of 10%. In addition, USAA gives discounts based on mileage, so military members who live on base or end up deployed during part of the year can save money when they don't accrue miles on their vehicle.

USAA also offers comparable discounts to most other insurance companies, including:

• Multi-car and multi-policy discounts
• Safe driver discounts
• Good student discount
• Loyalty discounts

Availability

USAA provides coverage in all 50 states and Washington, D.C., but limits who is eligible for military car insurance. People who can enroll include:

• Those currently enlisted in the Air Force, Army, Coast Guard, Marines, Navy, and National Guard
• Retired or honorably discharged military members
• Those in U.S. service academies, in advanced ROTC or on ROTC scholarship, plus officer candidates within 24 months of commissioning
• Family, including current wives, widows, widowers, un-remarried former spouses, and children whose parents have or had USAA insurance

Customer Satisfaction

USAA exclusively offers car insurance for military members and their families and provides them with great service. It has some of the highest customer satisfaction ratings in the industry. In fact, J.D. Power awarded USAA the highest ratings out of any insurance company in its 2023 U.S. Auto Insurance Study.

USAA also holds top marks for financial strength with an A++ rating from AM Best.

Read the full review : USAA Car Insurance

Best Military Discounts : GEICO

Did you know that GEICO stands for Government Employees Insurance Company? With that knowledge, perhaps it should come as no surprise that GEICO offers some of the best discounts on military car insurance.

15% discount for all current and former military

Extensive coverage and discount options

Available in 50 states

Less options and discounts for active duty deployment than USAA offers

No discounts for children of military members

GEICO offers some of the most extensive car insurance coverage options in the country. Available types of coverage include:

• Bodily injury and property damage liability coverage
• Collision and comprehensive
• Personal injury protection
• Mechanical breakdown insurance
• Emergency roadside assistance

GEICO also provides policies for various vehicles like motorcycles, all-terrain vehicles (ATVs), boats, and RVs. If you use your vehicle for multiple purposes, the company also offers Mexican travel insurance, antique auto coverage, and commercial vehicle policies.

In addition to vehicle coverage, GEICO has other coverage types, like  homeowners and renters insurance , personal liability insurance, life insurance, and identity theft protection.

The best part of GEICO's military car insurance is the discount options. In fact, it offers a 15% discount for all active duty and retired military as well as National Guard members and reserves, no strings attached. The company also offers emergency deployment discounts for those deployed to areas of "imminent danger" and store their vehicle during deployment. Other federal employees or retired military who have a federal job can receive a discount off their monthly premiums.

In addition to these military-specific discounts, GEICO has nearly 20 other discount options based on your vehicle's included equipment, your driving history and habits , loyalty to GEICO, and any applicable driver's training. The easiest way to determine how much you'll save with GEICO is by obtaining a free online quote.

GEICO offers coverage in 50 states and Washington, D.C., which makes it an outstanding choice in just about the whole country. Furthermore, anyone is eligible for its car insurance and a wide array of discounts.

In addition to the great coverage options and nationwide availability, GEICO has elite financial stability. The company receives an A++ financial strength rating from AM Best, the highest rating possible.

J.D. Power awarded GEICO an above-average ranking in customer satisfaction for California, Florida, New York, and the North Central region in the 2023 U.S. Auto Insurance Study. Even more impressively, GEICO was ranked number one in the New England region as well as number one in the usage based insurance category. However, GEICO did rank below average in other regions.

Read the full review : GEICO Car Insurance

Best for Veterans and Retired Military : Armed Forces Insurance

USAA isn't the only company that specifically covers military members and their families or the first with that mission in mind. In fact, Armed Forces Insurance (AFI) has been around for more than 135 years—since 1887. If you're a veteran or retired military member, you should definitely consider Armed Forces Insurance when comparing quotes for your car insurance coverage.

Long-standing history of competitive coverage

Includes coverage for civilians who work for military

Available in all 50 states

Non-specified discounts

When you enroll in military car insurance from Armed Forces Insurance, you receive coverage for yourself, your spouse, any children or other relatives who live in the same house, and even other licensed drivers who you permit to drive your car. AFI offers many types of car insurance coverage to its members, including:

• Uninsured and under-insured motorist coverage

Like USAA, AFI offers one-stop shopping for its members. In addition to car insurance, it has homeowners and renters insurance, plus motorcycle and other recreational vehicle coverage. AFI also offers unique coverage like fire and flood insurance, valuable items policies, pet insurance, and even umbrella policies .

Unfortunately, AFI does not list specific discounts on its website and requires extensive information to obtain an online quote. With that being said, the company does claim to offer competitive rates. You can expect any discounts you may qualify for to be shown during the quote process or you can inquire with the company.

Armed Forces Insurance offers car, homeowners, and motorcycle insurance in all 50 states and Washington, D.C. through a network of affiliates. Much like USAA, AFI only allows the following people to enroll in policies for car insurance and other types of coverage:

• Active duty, retired, or honorably discharged military from any branch (including National Guard and Reserves)
• Active or retired Department of Defense or Department of Veterans Affairs civilian employees
• Service Academy members, including Merchant Marines or ROTC cadets
• Children, spouses, ex-spouses, or surviving spouses
• Active, retired, or former commissioned officer of the NOAA or PHS
• Members of the Civil Air Patrol, Coast Guard Auxiliary, Merchant Marine, Military Auxiliary Radio System and Marine Corps Auxiliary
• Former AFI members who canceled coverage and later returned

AFI is too small to appear in J.D. Power's studies and other similar studies.

Compare Best Military Car Insurance

Finding the right car insurance can often feel like an overwhelming task, but a few companies stand out from the pack when it comes to military auto insurance. While you should always compare rates before signing on the dotted line, many military members stand behind the companies that offer exclusive and unique coverage options for active duty service members and veterans.

How Does Car Insurance Work for the Military?

Although the basics of car insurance work the same for military members, coverage for active duty servicemen and women does come with some special rules. For example, many states allow service members to maintain vehicle registration and insurance coverage through their home state regardless of where they're stationed. Keep in mind that each insurance company has different requirements when a service member deploys overseas. Finally, some companies only provide coverage to military members, meaning that you may have more options than the average customer when looking for military car insurance.

Just like any other type of discount, car insurance discount rates vary from company to company. However, most military car insurance providers offer a discount of 5% to 15% for active duty and retired military members.

What Car Insurance Companies Offer Military Discounts?

Believe it or not, not all car insurance companies offer military discounts. However, if you're looking for companies who do, check with the following companies to save money on your military car insurance:

• Liberty Mutual

Do Veterans Get Discounts on Car Insurance?

Although not every company extends a military discount to veterans, many do. Car insurance providers who offer veteran discounts include USAA, AFI, GEICO, Liberty Mutual, and Farmers Insurance. As with any coverage or discount offering, you should always check with a customer service representative or local insurance agent to see if a veteran discount is available.

How Can You Get a Military Discount on Car Insurance?

The verification process for car insurance discounts works differently for each individual company, but to receive a discount on military auto insurance, you typically need a state-issued photo ID (driver’s license, state ID card, or passport), as well as one of the following types of military documentation:

• D214 Member 4 copy
• Academy appointment letter or ROTC contract
• Active duty military orders
• Discharge certificate
• Leaving and earning statement

In addition to standard discounts for active military and retired veterans, some car insurance companies will also allow active duty service members to temporarily cancel their car insurance policy to save money. To do this, you will need proof of deployment (active-duty military orders) and documentation showing that you placed your vehicle in long-term storage for the duration of your deployment.

When selecting the best options for military car insurance, we evaluated the ratings of the top 12 car insurance companies from independent rating agencies like J.D. Power. We also considered unique coverage types and discount offers that are exclusively offered to members of the military, as well as customer reviews from numerous websites. Although we feel confident in our selections, car insurance is never a one-size-fits-all item, so collect quotes from multiple sources before selecting your own military auto insurance.

Sean Murphy / Getty Images

USAA. " Auto Insurance Discounts ."

USAA. " Auto Insurance Quotes ."

USAA. " Member Owned. Mission Led ."

J.D. Power. " Auto Insurance Customer Satisfaction Plummets as Rates Continue To Surge, J.D. Power Finds ."

AM Best. " A.M. Best Affirms Ratings of USAA, Its Subsidiaries and USAA Capital Corporation ."

GEICO. " Car Insurance Discounts - Savings on Auto Insurance ."

GEICO. " Car Insurance Requirements and Laws By State ."

AM Best. " AM Best Affirms Credit Ratings of GEICO Corporation and Majority of Members of GEICO ."

Armed Force Insurance. " AFI History ."

Armed Forces Insurance. " Is AFI for You? "

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