Have you ever wondered how legit online Insurance in the US? We will take you through some of the best online insurances in the US

While surfing the internet, checking insurance companies’ reviews on reviewsbird.com and other insurance-related websites to get the best deal on Insurance for your company, these thoughts must have crossed your mind.

• Does an online insurance company have legal backing?
• How do you ascertain that your insurance deal is legally safe?
• What makes online companies reliable, even without physical offices?

To ascertain that your insurance contract with an online insurance company has a legal backup, here are certain factors you should consider.

• The contract is expected to be for a legal purpose; the commodities rendered by your business must be legally valid.
• The two parties in the contract must have the legal capacity to strike a deal: any of the parties involved should not be restricted legally from contracting with other business institutions.

If all these criteria are met, such an insurance company has a proper legal backup. Like every other form of online purchases and e-commerce, Insurance online is legally backed in as much as the insurance company is registered with the government, and those criteria above are included. Online Insurance is a straightforward approach to getting your company insured.

Here are shortlisted top-rated insurance companies with the legal backup you can consider in the US.

1. LEMONADE

Lemonade has earned 4.9 stars in the App Store and is also top-rated by Supermoney, Clearsurance, and others. Lemonade is an almost “5 star” rated insurance company that has earned 4.9 stars on the app store, top-rated by review birds, clearsurance, and others. On REWIEWSIRD, lemonade car insurance reviews rates an average of 9/10.

With super-fast service, in less than 90 seconds, you can get insured on lemonade and get paid for any approved claim in less than 3 minutes. This is an instant, time-saving insurance company. Even with prices as low as $9 to $30 depending on the products, you get a discount on every bundle subscription. Lemonade offers coverage options, making it easy to formulate a policy that suits your business.

Pros

• Lemonade is super-fast with insurance quotes gotten in seconds, a policy with 2 minutes, and pays an acclaimed fee almost immediately.
• Leftover funds are used for charity purposes.
• Easy to use and navigate the mobile app.
• Simple claims are paid into the linked bank account in an instant.
• They are a highly rated “A” insurance company by trusted websites.
• They take a flat rate on your monthly subscription.

Cons

• Home insurance is only offered in DC and 36 of the states.
• Lemonade was founded in 2015.

2. NEXT INSURANCE

When You set up a personal business or have up to 15 employees, it’s vital to protect your small and start-up enterprises at the least possible cost. The process of registering for Insurance takes less than 15 minutes. NEXT Insurance offers low-budget as low as purchasing a policy for $19 per month. Getting a quote on NEXT takes just a few minutes, and the company provides Insurance to various businesses.

Pros

• It’s a low budget insurance
• Has up to 8 different coverage options to choose

Cons

• The company has no functioning mobile app as of now.
• The availability of their products differs across different states.

3. ROOT

ROOT, an auto tech online insurance company, is known for rewarding drivers with good driving skills and habits. Root’s mobile app is well featured, and drivers can cut off up to half of the insurance cost in their premium.

Pros

• There are rewards for being good drivers
• On auto insurance, drivers can save up to 52%
• A well-featured mobile app

Cons

• Your qualification for auto insurance is guaranteed by a driving test of up to three weeks
• Root doesn’t have insurance cover for commercial cars and motorcycles.

The root is currently functioning only in 32 States.