General Liability Insurance Calculator

Revenue and payroll as exposure drivers

This estimator uses revenue as the primary exposure base, expressed per $1,000. For example, $250,000 in revenue equals 250 units. If your selected business type and risk class produces a $0.65 rate, the revenue portion starts near $162.50. Payroll is added as a stabilizer at 0.035% per year, so $120,000 payroll contributes about $42.00. Together, these two inputs set the technical starting point before modifiers are applied.

How limits and deductibles reshape price

Higher occurrence and aggregate limits typically increase premium, while higher deductibles can reduce it. The sensitivity charts illustrate this relationship. In many runs, moving from $1,000 to $5,000 deductible lowers the deductible factor modestly, while increasing occurrence from $1,000,000 to $2,000,000 raises the limits factor. Use these graphs to see where incremental coverage begins to cost more than your expected risk tolerance.

Operations mix and field exposure

Operational percentages help model where work happens and who performs it. Subcontracted work can add variability, so the subcontractor modifier increases gradually up to a capped level. Off‑premises contract work can raise third‑party exposure compared with a fixed location. Online sales can reduce some premises-driven frequency and is modeled as a small, capped downward adjustment when the online mix is high.

Risk controls and coverage continuity

Three risk controls are included: safety program, written contracts, and certificate tracking. When enabled, the model applies small discounts that compound, capped to avoid over-crediting. Prior coverage and lapse length can also influence pricing. A lapse of 90+ days applies a stronger upward factor than a 1–30 day lapse. Use these fields to represent operational discipline and continuity that underwriters often value.

Using the breakdown for budgeting decisions

The breakdown separates technical premium, flat endorsements, policy fees, and taxes/fees. Endorsements such as additional insured, primary and noncontributory, or per project aggregate add fixed amounts in this estimator. Optional add-ons like cyber and employment practices are shown as separate line items to support budgeting conversations. Export CSV for spreadsheet analysis, or PDF for proposals and renewal comparisons.

FAQs

1) Is this a real insurance quote?

No. It is an educational estimate that uses illustrative rates and factors. Actual pricing depends on underwriting, filings, class codes, territory, and carrier appetite.

2) Which inputs usually move the price most?

Revenue, risk class, claims history, and limits tend to have the biggest impact. Operational hazards, field work, and coverage lapses can also materially shift the estimate.

3) Why does payroll affect the result?

Payroll is used as a secondary exposure stabilizer. It helps prevent unrealistically low estimates for labor-heavy firms with low reported revenue in this simplified model.

4) How should I use the deductible chart?

Use it to compare premium changes versus the cash you would retain at claim time. A higher deductible may reduce premium, but increases out-of-pocket responsibility.

5) What do the endorsement options represent?

They represent common contractual requirements that can add cost. This calculator models them as flat add-ons to keep the estimate transparent and easy to explain.

6) Can I match local taxes and billing plans?

Yes. Adjust the taxes/fees rate to reflect your area and select a payment plan. Installment fees are informational and shown separately in the breakdown and chart.