Free Commercial Insurance Tools & Calculators
Practical, no-signup tools for small-business owners and their brokers — estimate a workers' comp premium, look up a class code or NAICS code, model an experience-mod change, build a certificate of insurance, sanity-check a quote, and see where each commercial line is profitable. All free, no account required.
Workers' Comp Cost Calculator
Estimate a workers' comp premium from your state, class code, and payroll using real filed loss costs.
Open Workers' Comp Cost Calculator →Experience-Mod Impact Calculator
See how your experience modification factor changes your workers' comp premium — and what a claim would cost you.
Open Experience-Mod Impact Calculator →Workers' Comp Class-Code Lookup
Find the workers' comp classification code for a job or industry, with its typical hazard and rate context.
Open Workers' Comp Class-Code Lookup →NAICS Code Finder
Look up the NAICS industry code for your business — the code carriers and applications ask for.
Open NAICS Code Finder →Certificate of Insurance Builder
Understand and assemble the pieces of a certificate of insurance (COI) — what each field means and who needs it.
Open Certificate of Insurance Builder →Quote-Fairness Checker
Sanity-check whether a workers' comp quote looks fair against real filed rates for your class and state.
Open Quote-Fairness Checker →Market Profitability Explorer
The full NAIC loss-ratio matrix — 8 commercial lines across all 50 states + DC, color-coded by profitability.
Open Market Profitability Explorer →More data & guides
- Market data by line — NAIC loss ratios & profitability by state.
- Rate filings by state — real filed workers'-comp loss costs.
- Data studies — deep-dive research on rates and loss ratios.
- Coverage guides — plain-English explainers reviewed by a licensed agent.