Business Insurance Cost Calculator

Where do these numbers come from?

Two kinds of figure appear in each result. The large range is an illustrative estimate from QuoteSweep's own model: it adjusts a starting range by how risky the industry is, a regional factor and your revenue. Those adjustments are our estimates, not published rates. Beside each range we show published benchmarks with their source: the median premium Insureon reports for all its small-business customers, and, where Insureon publishes one, its figure for your type of business.

Do I need a BOP and general liability?

No. A business owner's policy already includes general liability, bundled with commercial property. That is why the calculator shows two totals: a BOP with workers' comp, or general liability on its own with workers' comp.

Why might my quote be higher or lower?

Insurers price your business on its class code, size (sales or payroll), claims history, location, limits and deductible. Workers' comp is priced on payroll by class code, then adjusted by an experience modifier based on your own claims. For figures by trade, see business insurance cost by industry or how much small business insurance costs.