No company is cheapest for every business. Price depends on your industry, location, payroll, vehicles, claims history and the limits you choose, so the lowest price usually comes from comparing several insurers for your exact risk. For many small businesses, the biggest savings come from bundling liability and property into a business owner’s policy, paying annually, picking a sensible deductible and buying the limits your contracts actually require.
Landscapers often pay about $50 a month for general liability, with workers’ comp and auto costing more. See 2026 costs, pesticide rules and ways to save.
California contractors need a $25,000 bond and workers’ comp or an exemption; LLCs also need liability insurance. See the CSLB rules and the 2028 change.
Homeowners insurance pays little for business property and usually excludes business liability. See typical limits, the gaps and three ways to fill them.
Small businesses often pay a few hundred dollars per vehicle per month; trucking costs far more. See averages by business type and state, and ways to save.
Your own MC authority means primary liability at federal minimums, plus cargo and physical damage. See costs, required limits and how new carriers save.
Owner-only LLCs usually don’t need workers’ comp, but construction, part-timers, family members and contracts change that. See the rules in key states.
Many small businesses pay about $100 to $200 a month for cyber insurance. See what drives the price, what it pays for and the controls insurers ask about.
Small businesses often pay about $100 a month to insure equipment, inventory and space; buildings cost much more. See benchmarks and what drives price.
Most very small businesses pay roughly $30 to $60 a month for general liability. See costs by state and industry, what drives price and how to pay less.
