Contractor insurance cost calculator
Estimate what contractor insurance costs for your trade in a few clicks. Every figure comes from published insurer customer data, and the calculator tells you where a real quote is the only honest answer.
How the calculator works
Pick your trade and the calculator pulls the typical monthly cost other businesses in that trade paid for each coverage. Choose a business owners policy and it swaps in the BOP figure, since a BOP already includes general liability. Add a crew and it adds typical workers comp. Add vehicles and it adds commercial auto per vehicle.
The figures come from Insureon customer cost data for each trade, and from The Hartford for fencing. Insureon describes its numbers as the median cost of policies its customers bought, most of them small businesses with fewer than five employees.
What changes your real price
- Your trade and the work you do. Roof work, gas lines, or framing raise prices within a trade.
- Revenue and payroll. General liability often follows revenue, and workers comp follows payroll.
- Claims history. A clean record is one of the biggest discounts available.
- Your state. Rules, wages, and lawsuit climate all move the number.
- Limits and deductibles. Higher limits cost more; higher deductibles on property and auto cost less.
Ready to bring it down? Read 12 ways to get cheap contractor insurance, or see contractor insurance cost by trade.
Contractor insurance cost by trade
| Trade | General liability | BOP | Workers comp |
|---|---|---|---|
| Handyman insurance | $81/mo | No figure | $108/mo |
| Electrician insurance | $61/mo | $100/mo | $140/mo |
| Plumber insurance | $147/mo | $213/mo | $179/mo |
| HVAC insurance | $101/mo | $139/mo | $182/mo |
| Landscaping insurance | $63/mo | $92/mo | $150/mo |
| Painter insurance | $72/mo | $109/mo | $190/mo |
| General contractor insurance | $162/mo | $125/mo | $196/mo |
| Carpenter insurance | $94/mo | $130/mo | $201/mo |
| Flooring insurance | $77/mo | $115/mo | $144/mo |
| Drywall insurance | $62/mo | $94/mo | $141/mo |
| Concrete insurance | $119/mo | $140/mo | $240/mo |
| Janitorial insurance | $60/mo | $77/mo | $114/mo |
| Pressure washing insurance | $73/mo | $142/mo | $147/mo |
| Fencing insurance | $115/mo | $256/mo | $219/mo |
Typical monthly figures from Insureon customer data; fencing from The Hartford. Not quotes.
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Contractor insurance cost calculator FAQs
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