Updated July 8, 2026
I built BizInsuranceCost because most business insurance sites make you fill out a lead form before they'll show you a single number, or they hedge the estimate so heavily it's useless for actually budgeting a policy. This page covers the accountability side of the operation: who stands behind what gets published, where the underlying figures come from, and what to do if one of them is wrong.
Who's Behind BizInsuranceCost
I'm Chris Terry, the founder and editor here. I built each calculator, chose the rate assumptions it runs on, and I'm the one who has to approve a new tool or an assumption change before it goes live. Jessica Martinez writes the bulk of the trade guides and articles on the site; the authors page has more on both of us. Everything published here has a name attached to it, no exceptions.
Where the Numbers Come From
The general liability, workers' comp, and BOP calculators all draw from published rate filings, NCCI class code data for workers' comp, and the underwriting logic carriers typically use when pricing a small commercial account. Every tool's own page spells out the formula behind it, revenue factors, industry classification multipliers, state adjustments, so an output can be checked rather than trusted blind. The 2026 cost reference pulls the underlying assumptions together in one place for anyone comparing across tools.
How Often Figures Get Updated
Business insurance rates don't swing week to week, but they're not frozen either. State minimum requirements shift, class codes get revised, and carriers adjust their base pricing from one year to the next. I check the assumptions behind every calculator at least once a year, and sooner if a reader points out something that looks out of date. When you see an updated date on a page, it means I actually rechecked the numbers against current sources, not that the page got touched for cosmetic reasons.
Corrections
Spot a number that looks off? Tell me directly through the contact form; I read every one of those messages myself. If a correction is warranted, I update the figure, change the date on the page, and if the fix meaningfully moves a published estimate, I'll note that rather than quietly swapping the old number out.
Affiliate Links and Editorial Independence
A handful of links on this site are affiliate links, and I may get paid if you sign up through one of them. None of that touches what a calculator spits out or which type of coverage an article points you toward. The formula runs identically regardless of whether a link pays a commission, and I would rather walk away from that commission than publish a figure I don't actually stand behind.