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How 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 state

Average Business Insurance Cost by State (2026)

Typical general liability and BOP premiums for all 50 states and DC, side by side.

Read guide › Costs · Florida

Average Business Insurance Cost in Florida (2026)

What Florida businesses pay by coverage, trade and size, and what the state requires.

Read guide › Costs · Texas

Average Business Insurance Cost in Texas (2026)

Texas premiums by coverage, trade and size, plus the workers’ comp rule only Texas has.

Read guide › Costs · California

Average Business Insurance Cost in California (2026)

What California businesses pay, why it runs high, and what the state requires.

Read guide › Costs · New York

Average Business Insurance Cost in New York (2026)

What New York businesses pay by coverage, trade and size, and the three covers the state makes employers carry.

Read guide › Costs · Georgia

Average Business Insurance Cost in Georgia (2026)

Georgia premiums by coverage, trade and size, and the three-employee workers’ comp rule.

Read guide › Costs · Illinois

Average Business Insurance Cost in Illinois (2026)

What Illinois businesses pay, why Cook County pushes it up, and what the state requires.

Read guide › Costs · Landscapers

Landscaping Insurance Cost (2026)

What landscapers and lawn care businesses pay for liability, a BOP and equipment cover, by size and by state.

Read guide › Costs · Ohio

Average Business Insurance Cost in Ohio (2026)

What Ohio businesses pay by coverage, trade and size, and why workers’ comp is bought from the state fund.

Read guide › Costs · Pennsylvania

Average Business Insurance Cost in Pennsylvania (2026)

Pennsylvania premiums by coverage, trade and size, and why Philadelphia quotes above the rest of the state.

Read guide › Costs · North Carolina

Average Business Insurance Cost in North Carolina (2026)

What North Carolina businesses pay, the three-employee workers’ comp rule, and coastal storm pricing.

Read guide › Costs · Michigan

Average Business Insurance Cost in Michigan (2026)

What Michigan businesses pay by coverage, trade and size, and why the state prices below the national average.

Read guide › Costs · Washington

Average Business Insurance Cost in Washington (2026)

Washington premiums by coverage, trade and size, and why workers’ comp comes from the state fund.

Read guide › Costs · Arizona

Average Business Insurance Cost in Arizona (2026)

What Arizona businesses pay, right at the national average, and what the state requires.

Read guide › Costs · New Jersey

Average Business Insurance Cost in New Jersey (2026)

New Jersey premiums by coverage, trade and size, and the two extra covers the state makes employers carry.

Read guide › Costs · Handymen

Handyman Insurance Cost (2026)

What handymen pay for liability cover, by size, state and limit, and the two gaps the policy does not fill.

Read guide › Costs · Contractors

Contractor Insurance Cost (2026)

What general contractors pay, the four policies you actually need, and what a certificate has to say.

Read guide › Costs · Bookkeepers

Bookkeeper Insurance Cost (2026)

What bookkeepers and accountants pay, why errors and omissions is the policy that matters, and how claims-made works.

Read guide › Costs · Startups

Business Insurance Cost for a New Business (2026)

What a first-year business pays, what to buy in what order, and why an LLC is not a substitute for cover.

Read guide › Costs · Limits

How Much Does $1 Million Liability Insurance Cost?

The $1M/$2M policy contracts ask for, priced by trade, size and state, and when $2M makes sense.

Read guide › Costs · Cleaners

Cleaning Business Insurance Cost (2026)

What cleaners actually pay for liability, a BOP and bonding, by size and by state.

Read guide › Costs · Photographers

Photographer Insurance Cost (2026)

What photographers pay for liability and E&O, why the second policy matters most, and gear cover explained.

Read guide › Costs · Personal Trainers

Personal Trainer Insurance Cost (2026)

What trainers pay for liability and professional cover, the gym certificate, and why no state licenses the work.

Read guide › Costs · Consultants

Consultant Insurance Cost (2026)

What consultants pay for professional and general liability, the corporate-client certificate, and licensing explained.

Read guide › Core guide

General 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 › Costs

Average Cost of Small Business Insurance (2026 Data)

The 2026 averages at a glance — $45–$85/month — by policy and profession.

Read guide › Costs

Average 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 › Costs

Average Cost of General Liability Insurance (2026)

About $45/month — what a $1M policy costs by profession, and how to pay less.

Read guide › Costs

Average BOP Insurance Cost (2026)

A business owner’s policy averages $83/month — what it bundles and when it beats separate policies.

Read guide › Costs

Average Business Liability Insurance Cost (2026)

What liability coverage costs — general liability, E&O, and umbrella — and how to pay less.

Read guide ›

Cleaners · California

Insurance for Cleaning Businesses in California

What commercial contracts and property managers require before you can start.

Read guide › Cleaners · Texas

Insurance for Cleaning Businesses in Texas

What commercial contracts and property managers require before you can start.

Read guide › Cleaners · Florida

Insurance for Cleaning Businesses in Florida

What commercial contracts and property managers require before you can start.

Read guide › Personal Trainers · California

Insurance for Personal Trainers in California

What gyms ask for, and why programming advice needs its own cover.

Read guide › Personal Trainers · Texas

Insurance for Personal Trainers in Texas

What gyms ask for, and why programming advice needs its own cover.

Read guide › Personal Trainers · Florida

Insurance for Personal Trainers in Florida

What gyms ask for, and why programming advice needs its own cover.

Read guide › Photographers · California

Insurance for Photographers in California

The certificate venues want, plus covering your own gear.

Read guide › Photographers · Texas

Insurance for Photographers in Texas

The certificate venues want, plus covering your own gear.

Read guide › Photographers · Florida

Insurance for Photographers in Florida

The certificate venues want, plus covering your own gear.

Read guide › Photographers · New York

Insurance for Photographers in New York

The certificate venues want, plus covering your own gear.

Read guide › Real Estate Agents · California

Insurance for Real Estate Agents in California

E&O is the main event; open houses are why you still need GL.

Read guide › Real Estate Agents · Texas

Insurance for Real Estate Agents in Texas

E&O is the main event; open houses are why you still need GL.

Read guide › Real Estate Agents · Florida

Insurance for Real Estate Agents in Florida

E&O is the main event; open houses are why you still need GL.

Read guide › Landscapers · Alabama

Landscaping Insurance in Alabama

Coverage guidance for Alabama landscaping and lawn-care businesses.

Read guide › Photographers · Arizona

Insurance for Photographers in Arizona

Expensive gear and on-location shoots mean both GL and E&O.

Read guide › Cleaners · Arkansas

Cleaning Business Insurance in Arkansas

General liability and bonds explained for Arkansas cleaning and janitorial businesses.

Read guide › Marketing · California

Insurance for Marketing Consultants in California

Campaign disputes and contract requirements — what E&O and GL cover.

Read guide › Architects & Engineers · Colorado

Professional Liability Insurance for Architects & Engineers in Colorado

Small errors carry big costs — why E&O is the priority for design firms.

Read guide › Consultants · Connecticut

Professional Liability Insurance for Consultants in Connecticut

E&O and liability coverage for Connecticut consultants.

Read guide › Online Sellers · Delaware

Insurance for Online Sellers in Delaware

Cyber and product liability guidance for Delaware online sellers.

Read guide › Freelancers · Florida

Do Freelancers in Florida Need Business Insurance?

A straight answer on whether Florida freelancers need coverage.

Read guide › Web Designers · Georgia

Insurance for Web Designers in Georgia

Creative meets technical — the E&O and cyber cover web designers want.

Read guide › Massage Therapists · Hawaii

Insurance for Massage Therapists in Hawaii

Liability coverage basics for Hawaii massage therapists and spas.

Read guide › Contractors · Idaho

Contractor Insurance in Idaho

General liability and job-site coverage for Idaho contractors and trades.

Read guide › Accountants · Illinois

Professional Liability Insurance for Accountants in Illinois

You handle the numbers clients rely on — here's why E&O is core.

Read guide › Contractors · Indiana

Contractor Insurance in Indiana

Liability and equipment coverage for Indiana contractors across job types.

Read guide › Accountants · Iowa

Professional Liability Insurance for Accountants in Iowa

E&O coverage for Iowa small-town bookkeeping and tax practices.

Read guide › Landscapers · Kansas

Landscaping Insurance in Kansas

Insurance basics for Kansas lawn-care, irrigation and storm-cleanup crews.

Read guide › Cleaners · Kentucky

Cleaning Business Insurance in Kentucky

Coverage guidance for Kentucky office and commercial cleaning companies.

Read guide › Event Planners · Louisiana

Insurance for Event Planners in Louisiana

Liability coverage for Louisiana event planners working weddings and festivals.

Read guide › Cleaners · Maine

Cleaning Business Insurance in Maine

Insurance guidance for Maine seasonal vacation-rental turnover cleaners.

Read guide › Software & IT · Maryland

Insurance for Software Developers in Maryland

E&O and cyber coverage guidance for Maryland software and IT firms.

Read guide › Software & IT · Massachusetts

Insurance for Software Developers in Massachusetts

Coverage for Massachusetts software and IT firms: E&O plus cyber.

Read guide › Contractors · Michigan

Contractor Insurance in Michigan

Year-round liability coverage for Michigan renovation contractors.

Read guide › Consultants · Minnesota

Professional Liability Insurance for Consultants in Minnesota

Professional liability cover for Minnesota consultants.

Read guide › Landscapers · Mississippi

Landscaping Insurance in Mississippi

Coverage help for Mississippi lawn-care crews in the long growing season.

Read guide › Real Estate Agents · Missouri

Insurance for Real Estate Agents in Missouri

E&O and liability coverage for Missouri real estate agents, explained simply.

Read guide › Contractors · Montana

Contractor Insurance in Montana

Liability coverage for Montana rural and ranch contractors.

Read guide › Landscapers · Nebraska

Landscaping Insurance in Nebraska

Year-round coverage guidance for Nebraska lawn-care and snow-removal crews.

Read guide › Event Planners · Nevada

Insurance for Event Planners in Nevada

Liability coverage for Nevada event planners running conventions and weddings.

Read guide › Consultants · New Hampshire

Professional Liability Insurance for Consultants in New Hampshire

E&O insurance for independent New Hampshire consultants.

Read guide › Real Estate Agents · New Jersey

Insurance for Real Estate Agents in New Jersey

How E&O and liability cover New Jersey real estate agents in a dense, fast market.

Read guide › Photographers · New Mexico

Insurance for Photographers in New Mexico

Coverage guidance for New Mexico photographers, from venue rules to gear.

Read guide › Consultants · New York

Professional Liability Insurance for Consultants in New York

When you're paid for your judgment, E&O protects the thing you sell.

Read guide › Software & IT · North Carolina

Insurance for Software Developers in North Carolina

E&O and cyber insurance for Research Triangle software firms.

Read guide › Contractors · North Dakota

Contractor Insurance in North Dakota

Liability coverage for North Dakota energy and cold-climate contractors.

Read guide › Real Estate Agents · Ohio

Insurance for Real Estate Agents in Ohio

E&O and liability coverage for Ohio agents working residential and commercial deals.

Read guide › Landscapers · Oklahoma

Landscaping Insurance in Oklahoma

Coverage guidance for Oklahoma lawn-care and storm-cleanup crews.

Read guide › Personal Trainers · Oregon

Insurance for Personal Trainers in Oregon

What Oregon personal trainers should know about liability coverage.

Read guide › Consultants · Pennsylvania

Professional Liability Insurance for Consultants in Pennsylvania

E&O coverage for Pennsylvania management consultants.

Read guide › Marketing Consultants · Rhode Island

Insurance for Marketing Consultants in Rhode Island

Why Rhode Island marketing consultants lean on E&O coverage.

Read guide › Landscapers · South Carolina

Landscaping Insurance in South Carolina

Coverage guidance for South Carolina HOA and coastal landscaping crews.

Read guide › Accountants · South Dakota

Professional Liability Insurance for Accountants in South Dakota

E&O coverage for South Dakota bookkeeping and tax-prep practices.

Read guide › Event Planners · Tennessee

Insurance for Event Planners in Tennessee

Liability coverage for Tennessee event planners working music events and weddings.

Read guide › IT Consultants · Texas

Professional Liability Insurance for IT Consultants in Texas

E&O and cyber cover the project and data risks IT consultants carry.

Read guide › Software & IT · Utah

Insurance for Software Developers in Utah

E&O and cyber coverage for Utah Silicon Slopes SaaS firms.

Read guide › Consultants · Vermont

Professional Liability Insurance for Consultants in Vermont

E&O insurance for Vermont solo and small consulting firms.

Read guide › Software & IT · Virginia

Insurance for Software Developers in Virginia

E&O and cyber coverage for Northern Virginia cloud and IT firms.

Read guide › Software & IT · Washington

Insurance for Software Developers in Washington

E&O and cyber coverage for Seattle-area software and cloud firms.

Read guide › Contractors · West Virginia

Contractor Insurance in West Virginia

Liability coverage for West Virginia rural remodeling contractors.

Read guide › Cleaners · Wisconsin

Cleaning Business Insurance in Wisconsin

General liability for Wisconsin commercial janitorial work through the winter.

Read guide › Consultants · Wyoming

Professional Liability Insurance for Consultants in Wyoming

E&O insurance for Wyoming remote and independent consultants.

Read guide ›