What should your insurance
actually cost?

It varies widely by trade, state, payroll, and coverage. General liability for a small contractor often runs from roughly $40 to $200+ per month, while adding workers' comp depends heavily on payroll and state rates. Use the estimator above for a range tailored to your inputs.

No. The estimator gives an educational cost range to help you budget and understand pricing drivers. A binding quote requires underwriting by a licensed carrier or broker.

The biggest drivers are your trade's risk level, your state, payroll and number of employees, annual revenue, coverage limits, and your claims history.

In most states, sole proprietors with no employees are not required to carry workers' comp, though some clients or contracts may still require it. Rules vary by state — check your state's requirements.