Commercial insurance costs $1,000 to $5,000+ per year for most small businesses. Get a realistic breakdown by policy type, industry, and business size.
Getting Started | 7 min read | 2026-03-01
The real answer depends on your industry, size, and risk profile. Here's what small businesses actually pay — broken down by policy type with real numbers.
Most small businesses pay between $1,000 and $5,000 per year for a basic commercial insurance package. That typically includes general liability and either commercial property or a Business Owner's Policy. Add workers' comp, commercial auto, and specialty coverages, and the total can range from $3,000 to $12,000+ per year depending on your industry and headcount.
RISKX — Commercial Insurance Agency | Licensed in All 50 States | (800) 400-8398 | [email protected]