General Liability
Protects against third-party bodily injury, property damage, and advertising claims.
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Get My Free Hiscox Quote ›Coverage from $22.50/mo · about 5 minutes
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We help small business owners find out what coverage costs before they commit. Price yours in seconds with the calculator, then get a real quote from our top-rated partner.
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What will it cost you? A 2026 estimate for your trade and state · no email needed
Coverage for what your business actually needs
We help you compare the policies small businesses ask about most.
Workers’ Compensation
Covers medical costs and lost wages when an employee is injured on the job.
Professional Liability
Errors & omissions coverage for advice, services, and professional mistakes.
Business Owner’s Policy (BOP)
Bundles general liability with commercial property to save money.
Commercial Property
Protects your building, equipment, and inventory from covered losses.
Commercial Auto
Coverage for vehicles you use to run and grow your business.
How it works
1
Price it here in seconds
Use the estimator above for a 2026 benchmark for your trade and state. It runs in your browser — no email, no phone number, nothing to sign up for. Or read the average cost of general liability insurance first.
2
Open the Hiscox quote form
Our top-rated partner asks four things: what your business does, which state you’re in, roughly what you turn over, and how many people work there. Worth having your annual revenue figure handy — it’s the one people stop to look up.
3
See your real price
About five minutes and the number on screen is yours, not an average. No card, no phone call, and no obligation to take it — you can close the tab and the quote costs you nothing.
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Get a Free Quote with Hiscox ›Popular small business insurance guides
Not sure what you need? Start with a plain-English guide, then get a free quote.
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Small Business Insurance Cost Calculator
Estimate your monthly premium by trade, size, coverage and state — in about 10 seconds, no email required.
Open the calculator › CostsHow Much Does Small Business Insurance Cost?
The full 2026 cost guide — $45–$85/month — what moves your number and how to lower it.
Read guide › Costs · By stateAverage Business Insurance Cost by State (2026)
Typical general liability and BOP premiums for all 50 states and DC, side by side.
Read guide › Core guideGeneral Liability vs Professional Liability vs BOP
Side by side: what each covers, what each costs ($45 / $59 / $83 a month), and which one you need.
Read guide › CostsAverage Cost of Small Business Insurance (2026)
2026 average costs by policy and business type — and what moves your number.
Read guide › CostsAverage Cost of Professional Liability (E&O) Insurance (2026)
About $59/month — E&O costs by profession and state, and what moves your price.
Read guide › CostsAverage Cost of General Liability Insurance (2026)
About $45/month — what a $1M policy costs by profession, and how to pay less.
Read guide › CostsAverage BOP Insurance Cost (2026)
A business owner’s policy averages $83/month — and when bundling beats separate policies.
Read guide › Costs · FloridaAverage Business Insurance Cost in Florida (2026)
What Florida businesses pay by coverage, trade and size — and what the state requires.
Read guide › Costs · ContractorsContractor Insurance Cost (2026)
What general contractors pay, and the four policies you actually need.
Read guide › Costs · StartupsBusiness Insurance Cost for a New Business
What a first-year business pays, and what to buy in what order.
Read guide › Costs · LimitsHow Much Does $1 Million Liability Insurance Cost?
The $1M/$2M policy contracts ask for, priced by trade, size and state.
Read guide › CostsAverage Business Liability Insurance Cost (2026)
What liability coverage really costs — general liability, E&O, and how to pay less.
Read guide › IT Consultants · TexasProfessional Liability Insurance for IT Consultants in Texas
E&O and cyber cover the project and data risks IT consultants carry.
Read guide › Freelancers · FloridaDo Freelancers in Florida Need Business Insurance?
A straight answer on whether Florida freelancers need coverage.
Read guide › Photographers · ArizonaInsurance for Photographers in Arizona
Expensive gear and on-location shoots mean both GL and E&O.
Read guide › Marketing · CaliforniaInsurance for Marketing Consultants in California
Campaign disputes and contract requirements — what E&O and GL cover.
Read guide ›