Ballpark your total annual premium.
Estimate only. Real premiums depend on carrier, claims history and underwriting.
We apply an industry risk factor to revenue for general liability and property, and to payroll for workers' comp, summing them into an estimated total annual premium.
Business insurance premiums aren’t random. Carriers price on a handful of factors: your industry’s risk class, your revenue (more sales, more exposure), your payroll and headcount (for workers’ comp), and your property values. This calculator combines those into a realistic total across the three policies most small businesses carry — general liability, property, and workers’ comp.
The point isn’t a binding quote — it’s a defensible range so you’re not negotiating blind. If a broker’s number lands far above this estimate, ask why; if it’s far below, make sure the coverage limits actually match. Then drill into each policy with the dedicated calculators.
Often $1,000–$6,000+ a year for a small business, driven by industry, revenue and payroll.
General liability, property, and workers' compensation — the common core.
No — it's a budgeting estimate; real premiums require underwriting.
No — it's educational.