US Business Insurance Calculator
Estimate premiums for all major commercial coverage types based on your business profile
2026 rates · All industries · NAIC / Hartford / Next Insurance benchmarksBusiness profile
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Location & property
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Risk factors
Select your coverage types
Click to select the policies you need. Prices update based on your business profile above. General Liability is required as a baseline for all businesses.
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Estimated total annual premium
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Coverage package comparison — estimated annual cost
Data sources: Base rates from 2026 NAIC commercial lines data, Hartford Small Business benchmarks, Next Insurance rate filings, and Insureon market surveys.
Workers comp rates reflect NCCI class code averages — actual rates set by state rating bureaus.
Industry multipliers reflect actuarial loss experience by SIC code grouping.
Actual premiums require full underwriting review. For binding quotes, contact a licensed commercial insurance broker or visit
Insureon,
Next Insurance, or
The Hartford.