Plain-language guides on business insurance costs, which policies you actually need, and how they compare.
Average small business insurance costs in 2026, broken down by policy type, industry, and state. Includes the factors that move your rate up or down.
Read →E&O insurance costs $500 to $5,000+ per year depending on your profession. See median annual premiums for consultants, IT contractors, real estate age
Read →Professional liability insurance costs $500 to $2,000 per year for most small businesses. See 2026 benchmarks by profession, plus what drives the spre
Read →Commercial property insurance costs $1,000 to $3,000 per year for most small businesses. See cost per $100 benchmarks, per-business-type ranges, and w
Read →A certificate of insurance proves your coverage to clients and landlords. Learn what ACORD 25 is, how to get a COI, what additional insured means, and
Read →Commercial auto insurance costs $150 to $600 per vehicle per month for most small businesses. Rates depend on vehicle type, driver records, radius of
Read →Contractor insurance costs $80 to $300 per month for general liability alone. HVAC, electrical, and plumbing contractors pay more. Full cost breakdown
Read →Product liability insurance costs $25 to $75 per month for most small businesses. Learn who needs standalone coverage beyond general liability, and ho
Read →Cleaning business insurance costs $35 to $85 per month for a self-employed cleaner. See what GL, bonding, workers comp, and equipment coverage cost fo
Read →Restaurant insurance costs $180 to $400 per month for a small full-service restaurant. See what a BOP, liquor liability, food spoilage, and workers co
Read →Not every policy fits every business. This guide covers which types are legally required, which are standard for most operations, and which only make sense for specific situations.
Read →These two policies protect against very different things, and the gap matters. Learn what each covers, what it leaves out, who needs both, and what each typically costs.
Read →