No, you don’t have to get your business insurance from the same company. You could pick a different company for example, if there’s some discounted rates or packages available. That being said. it can be really smart to align your two coverages, because then at claims time you don’t have two different insurance companies fighting over whose claim it actually is—both trying to pass the buck to one another. If you have your home and commercial with the same insurer, then it’s going to be really easy to hand the claim to them and say I don’t care which department pays this, you guys pay the claim.