Business Insurance Cost Calculator
Pick your industry, team size, and the coverages you need to see a realistic monthly premium range, built on published small-business premium medians.
Reviewed by Guido Trevisan, Licensed Property & Casualty Insurance BrokerUpdated July 20, 2026
Estimated cost
$33
per month, typically $23 to $43
- General liability
- $33
How your industry compares
Estimated monthly cost for the same profile
What businesses like yours actually pay
Share of Insureon general liability customers by monthly premium
Source: Insureon's published general liability customer data, accessed July 2026. Insureon publishes the first two bands (22% and 41%). The over $60 share is the remainder.
Market-data estimate, not a carrier quote. Built on published premium medians from roughly 40,000 small business policies, then adjusted for industry, headcount, and revenue. Real quotes typically land within 30% of this figure and also reflect claims history and limits.
How these estimates work
The baseline for each coverage is the median monthly premium paid by small businesses nationally, from Insureon's published data on roughly 40,000 customer policies. For example, general liability runs about $45 per month at the median and a business owner's policy about $83. The calculator then adjusts for your industry's risk class (a construction trade pays roughly twice what a consulting firm pays for the same liability limits), your headcount, and your revenue, and shows a ±30% range for typical variation in limits and claims history. State matters even more: high-cost states like California, New York, New Jersey, Florida, and Hawaii can run 1.5x to 2.5x the national median.
FAQ
How much does business insurance cost per month?
The median small business pays about $45 per month for general liability and about $83 for a business owner's policy, based on published data from roughly 40,000 policies. Higher risk industries, more employees, and high cost states push the number up.
What does general liability insurance cost for a small business?
Most small businesses pay between $30 and $80 per month. A one person consulting firm can sit near $25 to $35 while a construction trade often pays two to three times that for the same limits.
Why do estimates vary so much by industry?
Carriers rate on claim likelihood. A roofer generates far more liability and injury claims than an accountant, so the same limits cost several times more. Industry class is usually the single biggest factor after state.
Is this an actual insurance quote?
No. It is a market data estimate built from published premium medians. A real quote reflects your claims history, exact class codes, limits, and carrier appetite, and typically lands within about 30% of this figure.
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