Commercial insurance cost calculators by industry (2026)
30 industry-specific cost calculators — each shows real ranges from published industry sources (Insureon, III, NCCI, BLS, NerdWallet, FMCSA, carrier rate guides) plus the most-recent filed-rate citations for the vertical's primary commercial lines. Pick your industry to start.
Browse by industry
Barber Shop insurance cost →
What barber shop insurance costs. Industry-typical ranges from Insureon, NCCI 9586, PBA. Free calculator + real quotes from 10+ ca…
Bobtail insurance cost →
What bobtail insurance costs for owner-operators leased to a motor carrier. Industry-typical ranges from Progressive Commercial, I…
Bounce House insurance cost →
What bounce house insurance costs for inflatable rental businesses. Industry-typical ranges from Insureon, III, CPSC data, NCCI. R…
Box Truck insurance cost →
What box truck insurance costs for last-mile delivery, moving, parcel. Industry-typical ranges from Progressive Commercial, Insure…
Business Owner's Policy insurance cost →
Business Owner's Policy (BOP) cost: $83/mo median (Insureon 2024). Bundles GL + Property + Business Income. Industry-typical range…
Commercial Auto insurance cost →
Commercial Auto cost: $245/mo avg per Insureon. For-hire ops 3.5x more than contractor vehicles. DOT framework + MCS-90 for 10,001…
Commercial Truck insurance cost →
What commercial truck insurance costs — light-duty to Class 8. Industry-typical ranges from Progressive Commercial, Insureon, FMCS…
Commercial Umbrella insurance cost →
Commercial Umbrella cost: $86/mo median per Insureon. Sits on top of underlying GL/Commercial Auto/Employer Liability. ~$40/mo per…
Contractors Tools & Equipment (Inland Marine) insurance cost →
Inland Marine / Tools & Equipment Floater cost: $48/mo median for $50K coverage per Insureon. ACV vs Replacement Cost adds 5-15%.
Cyber Liability insurance cost →
Cyber Liability cost: $129/mo median per Insureon 2024. Ransomware sublimits, HIPAA exposure, MFA discounts. Get a real quote from…
EPLI insurance cost →
EPLI cost: $222/mo median per Insureon 2024. CA/NY/IL surcharged 30-100% on PAGA + wage-hour exposure. Get real quotes from 10+ ca…
Fleet insurance cost →
What fleet insurance costs for 5+ vehicle operations. Industry-typical ranges from Progressive Commercial, Insureon, ATRI, NCCI. C…
Food Truck insurance cost →
What food truck insurance costs. Industry-typical ranges from Insureon, NCCI, III, NRA, FDA. Get a real quote from 10+ carriers in…
Freight Broker insurance cost →
What freight broker insurance costs — including the FMCSA $75K BMC-84 surety bond. Industry-typical ranges from Insureon, TIA, FMC…
General Liability insurance cost →
What General Liability insurance costs. Industry-typical ranges from Insureon ($45/mo median), III, NCCI. Same coverage, 5-10x var…
Hot-Shot Trucking insurance cost →
What hot-shot trucking insurance costs for Class 3-5 trucks pulling goosenecks. Industry-typical ranges from Progressive Commercia…
Inflatable Rental insurance cost →
What inflatable rental insurance costs — bounce houses, obstacle courses, slides, interactive games. Industry-typical ranges from …
Landscaping insurance cost →
What landscaping insurance costs. Industry-typical ranges from Insureon, NCCI 0042/0106, III, NALP. Free calculator. Real quotes f…
Limousine insurance cost →
What limousine insurance costs. State PUC pre-arranged transportation explained. Industry-typical ranges from Progressive Commerci…
Motor Truck Cargo insurance cost →
What Motor Truck Cargo insurance costs — covers the freight, not the truck. Limits $100K-$1M from Progressive Commercial, Insureon…
Nail Salon insurance cost →
Nail salon insurance cost: $91/mo BOP median per Insureon. Chemical-service Pro Liab gap + bloodborne pathogen exposure are the bi…
Passenger Car Rental insurance cost →
What passenger car rental insurance costs. Traditional fleet vs Turo / P2P off-trip gap. Industry-typical ranges from ACRISS, NAIC…
Plumber insurance cost →
What plumber insurance costs. Industry-typical ranges from Insureon, NCCI 5183, III, IRMI. Free calculator. Real quotes from 10+ c…
Professional Liability insurance cost →
Professional Liability (E&O) cost: $88/mo median per Insureon. Covers what GL excludes — professional service errors. Required by …
Religious Organization insurance cost →
What church + religious-org insurance costs. SMML coverage gap explained. Industry-typical ranges from Brotherhood Mutual, Church …
Restaurant insurance cost →
What restaurant insurance costs. Industry-typical ranges from Insureon, NCCI, III, NRA. Free calculator. Get a real quote from 10+…
Semi-Truck insurance cost →
What semi-truck insurance costs for owner-operators + small fleets. Industry-typical ranges from Progressive Commercial, Insureon,…
Taxi & Rideshare insurance cost →
What taxi + rideshare insurance costs. TNC Period 1/2/3 gap explained. Industry-typical ranges from Progressive Commercial, NAIC, …
Tow Truck insurance cost →
What tow truck insurance costs. Industry-typical ranges from Progressive Commercial, FMCSA, TRAA, NCCI. Free calculator + real quo…
Workers Comp insurance cost →
Workers Comp cost: $54/mo median per Insureon. Priced per $100 payroll, 100x variance by NCCI class. Required in 49 states (TX opt…
Related rate-data assets
- Insurance requirements by industry — what coverages each vertical typically carries
- Industry overview pages — per-vertical nav hub linking cost, requirements, and state rates
- Rate filings by state directory — every active filing by state, 2026
- National Rate Change Tracker — every captured filing across all states
- GBC Rate Index™ — the branded national rate-change indicator
- Coverage guides + comparisons
- WC Cost Calculator — interactive class-code × state workers comp pricing lookup