Small Business Insurance Cost Calculator — Estimate GL, BOP, Workers’ Comp & Commercial Auto
Wondering what small business insurance will cost this year? Use our accessible, mobile-first calculator to estimate General Liability (GL), Business Owners Policy (BOP), Workers’ Compensation, and Commercial Auto—then compare real quotes in minutes. We align estimates to your industry, payroll, vehicles, and property limits, and we show you how factors like claims history, state rules, and billing choices can move your price. When you’re ready, you can bind coverage online through our partner widget, or send us your commercial auto details with the quick form.
Small Business Insurance Cost Calculator
Enter a few details. This tool provides an educational estimate; final rates depend on underwriting and state rules.
Typical annual cost ranges by industry (educational)
Real quotes depend on limits, deductibles, claims, and underwriting. Use these ranges to sanity-check your calculator result.
| Industry | GL | BOP | Workers’ Comp | Commercial Auto (per vehicle) |
|---|---|---|---|---|
| Retail / E-commerce | $500–$2,500 | $900–$3,800 | $600–$1,800 | $900–$1,600 |
| Restaurant / Food Truck | $800–$3,500 | $1,400–$5,500 | $900–$2,800 | $1,100–$1,900 |
| Contractor / Trades | $1,000–$4,000 | $1,600–$6,000 | $1,400–$4,500 | $1,200–$2,200 |
| Professional Services | $400–$1,800 | $800–$3,000 | $250–$900 | $800–$1,400 |
| Healthcare / Wellness | $700–$2,800 | $1,200–$4,200 | $800–$2,400 | $900–$1,600 |
| Auto Services | $1,000–$3,800 | $1,700–$6,200 | $1,200–$3,800 | $1,200–$2,200 |
What drives price & how to save
Insurers look at exposure (revenue, payroll, vehicles), state rules, prior claims, and how your operations manage risk. Focus on the 12-month total cost: premium plus likely out-of-pocket after a realistic claim. The table shows levers you can pull before binding.
| Driver | Impact | What helps |
|---|---|---|
| State & ZIP | Regulatory & legal costs vary | Compare limits/deductibles by ZIP |
| Claims (3–5 yrs) | Surcharges or restrictions | Provide documentation; pick higher deductibles prudently |
| Payroll & vehicles | Exposure basis for WC/Auto | Right-size vehicle schedule; driver screenings |
| Property limit & security | Bigger limits cost more | Alarms, sprinklers, inventories updated |
| Billing mode | Installment fees add up | EFT or annual pay when feasible |
“Near me” coverage help & licensed states
We quote and service small businesses statewide via phone/video and deliver COIs fast. Popular metros include Phoenix, Tucson, Dallas-Fort Worth, Houston, Los Angeles/OC, Miami, Detroit, Charlotte, Richmond, and more. Ask us to confirm your ZIP and class codes.
| Metros we frequently assist | Common requests | Licensed states |
|---|---|---|
| Phoenix, Chandler, Mesa, Gilbert, Scottsdale, Tempe | COI next-day, GL/BOP bundling, WC audits | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA |
| Tucson, Glendale, Peoria, Surprise, Casa Grande, Yuma | Commercial auto schedules, hired/non-owned | OK, NM, IA, KS, MI, NE, SC, SD, WV |
Related topics
FAQs
Is the calculator a quote?
No—this tool provides an educational estimate to help budgeting. Final pricing depends on underwriting, class codes, limits, and your state’s rules. Use the widget to see live carrier quotes.
Should I buy a BOP instead of GL?
If you have business property (inventory/equipment/tenant improvements) or business interruption needs, a BOP can package GL + property and often price more efficiently than buying them separately.
How are Workers’ Comp costs calculated?
Generally by payroll per class code, adjusted for experience and state factors. Good safety programs and accurate classifications help control costs.
What if I need a certificate of insurance (COI) today?
We can issue COIs quickly after binding. Send your holder details and any special wording required by your landlord, GC, or vendor.
Can I finance premiums monthly?
Yes, most carriers offer installments. Consider EFT or pay-in-full when possible to reduce installment fees.
Disclosure
This calculator is for general education and does not bind coverage or modify policy forms. Eligibility, rates, and coverage are determined by the insurer and state regulations. Program availability, deductibles, and endorsements vary. Blake Insurance Group: Licensed insurance producer (NPR/NPN 16944666). On-page data tables are offered under CC BY 4.0.
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Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent