InsuranceQuoteToolkit

Rankings Center 2.0

Best States for Small Business Protection

State environment for small-business protection — coverage availability, consumer-protection strength, and risk-event frequency.

Ranking (Business Protection Score)

  1. 1.Idaho94
  2. 2.New Hampshire93
  3. 3.Alaska92
  4. 4.Indiana92
  5. 5.Massachusetts92
  6. 6.Ohio92
  7. 7.South Dakota92
  8. 8.Vermont92
  9. 9.Virginia92
  10. 10.Washington92
  11. 11.Alabama91
  12. 12.Iowa91
  13. 13.Kentucky91
  14. 14.Montana91
  15. 15.Wisconsin91
  16. 16.Connecticut90
  17. 17.Maine90
  18. 18.Oregon90
  19. 19.Tennessee90
  20. 20.West Virginia90
  21. 21.Illinois89
  22. 22.New Jersey89
  23. 23.Delaware88
  24. 24.North Dakota88
  25. 25.Utah88
  26. 26.Hawaii87
  27. 27.North Carolina87
  28. 28.Minnesota86
  29. 29.Nevada86
  30. 30.Pennsylvania86
  31. 31.Colorado85
  32. 32.Wyoming85
  33. 33.Arizona84
  34. 34.Georgia84
  35. 35.Maryland84
  36. 36.Mississippi84
  37. 37.South Carolina84
  38. 38.Arkansas83
  39. 39.District of Columbia83
  40. 40.Nebraska82
  41. 41.New Mexico82
  42. 42.Missouri80
  43. 43.Rhode Island78
  44. 44.New York75
  45. 45.Michigan74
  46. 46.Kansas73
  47. 47.California71
  48. 48.Texas71
  49. 49.Louisiana68
  50. 50.Florida66
  51. 51.Oklahoma62

Methodology

  • Composite of friendliness and consumer-protection strength less risk frequency
  • Excludes industry-specific factors (sector regulation, WC class)
  • State business-tax friendliness referenced separately
  • Annual refresh

Key findings

  • Friendliness composite and consumer protection both lift business protection
  • Risk-event frequency penalizes business-protection scores even in well-regulated states
  • Cyber and EPL exposure are tracked at the federal level — see Business Resilience hub
  • Top quartile is reachable in any state with disciplined personal-stack design

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