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.
By Menlo Insurance ServicesPublished
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.
Illustrative estimate, not a carrier quote. Published premium medians are adjusted using the assumptions described below. The displayed range is not a confidence interval or a prediction of an insurer’s price; actual premiums may fall outside it.
How these estimates work
The calculator starts with reference premiums for each coverage, then applies preset adjustments for industry, employees, revenue, and state. Some state factors are reused across coverage types. These simplified assumptions are not a carrier's underwriting or rating rules. The displayed ±30% range is an illustrative band around the calculation, not a measured confidence interval or a prediction of an available quote. Actual premiums may fall outside it.
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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