Business Insurance Cost Guides
How much does business insurance actually cost? Our cost guides use industry-standard estimates based on carrier rate sheets and public filings — not guesswork.
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Reviewed & Fact-Checked● Verified
By the General Liability Guide Editorial Team. Our guides are verified against actual insurance carrier rate sheets and state industrial commissions.
Cost by Insurance Type
General Liability Insurance
$400 – $2500
per year (average)
Monthly$33 – $208/mo
Typical Limits$1M per occurrence / $2M aggre
View Full Cost GuideWorkers' Compensation Insurance
$500 – $5000
per year (average)
Monthly$42 – $417/mo
Typical Limits$100K/$500K/$100K (statutory l
View Full Cost GuideProfessional Liability Insurance (E&O)
$500 – $3000
per year (average)
Monthly$42 – $250/mo
Typical Limits$1M per claim / $2M aggregate
View Full Cost GuideCommercial Auto Insurance
$1200 – $4000
per year (average)
Monthly$100 – $333/mo
Typical Limits$1M combined single limit
View Full Cost GuideBusiness Owner's Policy (BOP)
$500 – $3500
per year (average)
Monthly$42 – $292/mo
Typical LimitsVaries by components (typicall
View Full Cost GuideCyber Liability Insurance
$500 – $5000
per year (average)
Monthly$42 – $417/mo
Typical Limits$1M per incident / $2M aggrega
View Full Cost GuideCommercial Property Insurance
$750 – $3500
per year (average)
Monthly$63 – $292/mo
Typical LimitsBased on property value (repla
View Full Cost GuideCommercial Umbrella Insurance
$400 – $2000
per year (average)
Monthly$33 – $167/mo
Typical Limits$1M - $10M (increments of $1M)
View Full Cost GuideCost by Industry
| Industry | Total Insurance Cost | Risk Level | Guide |
|---|---|---|---|
| 🔨Contractors | $2,500 - $8,000/year | High | View Guide |
| 📸Photographers | $500 - $2,000/year | Low-Medium | View Guide |
| 🍽️Restaurants | $5,000 - $15,000/year | High | View Guide |
| 🚛Trucking Companies | $12,000 - $25,000/year | Very High | View Guide |
| 🏠Real Estate Agents | $1,000 - $3,500/year | Medium | View Guide |
| 💼Consultants | $800 - $3,000/year | Medium | View Guide |
| 🌿Landscapers | $1,500 - $5,000/year | Medium-High | View Guide |
| 🧹Cleaning Services | $1,000 - $3,500/year | Medium | View Guide |
| ⚡Electricians | $2,000 - $6,000/year | High | View Guide |
| 💪Personal Trainers | $400 - $1,500/year | Medium | View Guide |
| 🔧Plumbers | $1,500 - $5,000/year | High | View Guide |
| 💻IT Companies | $2,000 - $7,000/year | Medium | View Guide |