Small Business Risk Modeling
Business Insurance Calculator
Estimate commercial liability and property insurance costs tailored to your industry, employee count, and annual gross revenue.
Commercial Policy Estimator
Select your trade, revenue tier, and desired coverage components.
Estimated Commercial Premium
$1,800 /year
Approx. $150 / month
BOP Package Model
Expected Range: $1,512 – $2,196
Key Risk Factors
- Professional office risk class carries low premises liability.
- Includes $1M / $2M General Liability baseline protection.
Actionable Savings Steps
- Bundle General Liability and Property into a Business Owner Policy (BOP).
- Maintain written worker safety handbooks to lower workers comp rates.
Simply Business US
Compare customized small business insurance quotes from top national carriers in under 10 minutes. Instant digital Certificate of Insurance (COI) download.
Hiscox Small Business
Direct specialized General Liability & Professional Liability (E&O) tailored specifically for independent consultants, tech freelancers, and service contractors.
The Hartford, Travelers, NEXT Insurance, Nationwide Commercial, Chubb
Core Coverages Every US Business Needs
- General Liability (CGL): Protects against third-party bodily injury (e.g. client slips and falls on premises) and property damage caused during operations.
- Commercial Property: Replaces office computers, specialized inventory, and equipment stolen, burned, or damaged by wind.
- Workers' Compensation: Legally required in almost all 50 states as soon as you hire your first employee to cover medical bills and lost wages for workplace accidents.