Free Commercial Insurance Calculators

Commercial Insurance Costs: By the Numbers

• 5x variation in workers' comp premiums across US states for identical payroll and class code
• $500–$2,500/year — typical general liability premium for a small business with a $1M/$2M limit
• ~33% of small businesses face at least one liability claim in a 10-year period
• 46 states require workers' comp coverage once you hire your first non-owner employee
• $8,000–$40,000/year — typical semi-truck insurance cost per power unit

How to use these calculators

1. Pick the calculator that matches your insurance line (general liability, workers' comp, commercial auto, etc.)
2. Enter your business basics — revenue, employees, state, industry
3. Get an instant estimate based on published industry rate factors
4. If you want an exact price, submit the broker form at the bottom — no obligation