Small business insurance guides
Plain-English cost guides. Free, no sign-up.
What would your business pay?An estimate, not a quote.
The four pages most people need first
Costs, choosing cover, prices by state, and the calculator.
Small business insurance cost estimator
Your estimated monthly and yearly cost for the four main covers, and which you need. No email required.
Open the calculator CostsHow much does small business insurance cost?
The full cost guide: what businesses pay, what moves your number, and how to bring it down.
Read the guide Choosing coverGeneral liability vs professional liability vs BOP
Side by side: what each policy covers, what each one costs, and which one your business needs.
Read the guide By stateAverage business insurance cost by state
Published general liability figures for all 50 states and DC, side by side.
Read the guideBrowse every guide
Hair salons and barbers
What they pay nationally, by size, state and limit.
Online stores
What they pay nationally, by size, state and limit.
Massage therapists
What they pay nationally, by size, state and limit.
Cleaning businesses
What they pay nationally, plus state guides:
Consultants
What they pay nationally, plus state guides:
Contractors and handymen
What they pay nationally, plus state guides:
Landscapers and lawn care
What they pay nationally, plus state guides:
Photographers
What they pay nationally, plus state guides:
Real estate agents
What they pay nationally, plus state guides:
Software developers and IT
What they pay nationally, plus state guides:
Personal trainers and fitness
What they pay nationally, plus state guides:
- All 50 states and DC, side by side
- California
- Texas
- Florida
- New York
- Pennsylvania
- Illinois
- Indiana
- Kentucky
- Louisiana
- Maryland
- Ohio
- Oregon
- Missouri
- Georgia
- North Carolina
- Michigan
- New Jersey
- Minnesota
- Montana
- Nevada
- Utah
- Washington
- Wisconsin
- Arizona
- Virginia
- Massachusetts
- Alabama
- Arkansas
- Colorado
- Connecticut
- Delaware
- Idaho
- Average cost of general liability insurance
- Average cost of professional liability (E&O) insurance
- Average business owner’s policy (BOP) cost
- Average business liability insurance cost
- How much does $1 million liability insurance cost?
- Average cost of small business insurance
- Business insurance cost per month
- Business insurance cost for a new business
- General liability vs professional liability vs BOP
Get a real price
These figures are estimates. Only an insurer can give you a real price.
Direct online insurer
Fill in a form and see a price on screen. Best for simple businesses.
Example: Hiscox. Rated A (Excellent) by AM Best. Sold in 49 states and DC.
Hiscox pays us when you get a quote. It does not change your price.
Online broker or marketplace
One form, several insurers compared. Best if you want more than one price.
Local independent agent
Talk it through by phone or in person. Best for higher-risk businesses.
Find an independent agent near you (free directory, no payment to us)