Small Business Insurance Calculator

Estimate insurance costs for your small business. This tool calculates premiums for general liability, property insurance, workers compensation, and professional liability.

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Enter Your Business Information

Annual Premium by Business Type (5 Employees)

Sample Calculations

Example 1: Small Retail Store
Type: Retail, Revenue: $150,000, Employees: 3, Payroll: $75,000, Property: $80,000, Liability: $1M, Workers Comp: Yes, Professional Liab: No
Estimated Annual Premium: $1,500 - $2,500
Example 2: Professional Services Firm
Type: Professional, Revenue: $300,000, Employees: 5, Payroll: $200,000, Property: $50,000, Liability: $1M, Workers Comp: Yes, Professional Liab: Yes
Estimated Annual Premium: $3,000 - $5,000
Example 3: Small Construction Company
Type: Construction, Revenue: $500,000, Employees: 8, Payroll: $350,000, Property: $150,000, Liability: $2M, Workers Comp: Yes, Professional Liab: No
Estimated Annual Premium: $6,000 - $10,000

Data Sources & Methodology

Data Source: National Association of Insurance Commissioners (NAIC), Small Business Administration
Last Updated: January 2026
Reference: View Sources
  • National Association of Insurance Commissioners (NAIC) - Commercial lines data
  • Small Business Administration (SBA) - Insurance guidelines
  • Independent Insurance Agents & Brokers of America
  • State workers compensation boards - Rate schedules