Small Business Liability Insurance Calculator

Tune coverage to your industry, budget, and risk. See estimated costs before talking to agents. Make smarter insurance choices with clear premium breakdowns now.

Educational estimate only. Actual premiums depend on carrier underwriting and state rules.

Enter your business details

Business name

Industry risk class

Sets base rates per $1,000 of revenue and payroll.

Location factor

Annual revenue

Annual payroll

Employees

Years in business

Claims in last 5 years

Daily foot traffic

Subcontractor usage

Online sales share

Safety program

Coverage package (occurrence / aggregate)

Deductible