Free calculator

Business insurance calculator

Which policies does a business like yours actually need, and roughly what limits? Answer nine questions and this builds the shopping list to take to an agency, with the reason for every line on it.

Everything stays in your browser. Nothing is sent to us, and the result is an estimate, not a quote or advice.

How this works

No arithmetic is hidden here. Each policy appears when a specific answer triggers it, and the limit band comes from your revenue, payroll or property value. These are rules of thumb, not underwriting rules, and no carrier is bound by them.

General liability — always listed. Band: under $1M revenue → $1M per occurrence / $2M aggregate; $1M–$5M → the same, but ask what $2M / $4M costs; over $5M → $2M / $4M.
Commercial property — listed when your property value is above zero. The suggested limit is that value, because most property policies pay only a proportion of a loss if you insure for less than the replacement cost.
Business owners policy — listed instead of buying the two above separately when revenue is under $5M, employees are 25 or fewer, and you have both a location and property to insure. A BOP bundles them and usually prices better.
Workers' compensation — listed as soon as you have one employee. Nearly every state requires it; the thresholds and the owner exclusions differ by state. Premium runs off payroll, so we show your payroll next to it.
Commercial auto — listed when you use vehicles for work. A personal auto policy can deny a claim on a vehicle in business use.
Cyber liability — listed when you handle customer data. Band by revenue: under $1M → $250k–$500k; $1M–$5M → $500k–$1M; above that → $1M and up.
Professional liability / E&O — listed when you give advice, or when the industry is professional services, property management or salon work, where the claim is about the service rather than a slip on the floor.
Commercial umbrella — listed when revenue is over $2M, or you have more than 10 employees, or you run vehicles with more than 5 employees. It adds limits on top of general liability and commercial auto, usually in $1M layers.

What it cannot do: price anything. Premium depends on your state, your claims history, your exact class code, your contracts and the carrier's appetite that week. It also ignores cover your contracts or landlord may require in writing — read those before you buy.

Next step

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