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How Much Does Small Business Insurance Cost?
On average, small business customers of The Hartford pay about $85 per month and $1,019 per year in business insurance costs.1 However, what a small business pays for seguro de negocio will often depend on several different factors, like the coverage you need and the industry you’re in.
Want to learn more about how much business insurance will cost for your business? Reciba una cotización from The Hartford today.
| Business Insurance Policy | Avg. Monthly Premium2 |
|---|---|
| Seguro general contra terceros | $67 |
| Business Owner’s Policy (BOP) | $85 |
| Seguro de responsabilidad profesional | $76 |
| Seguro de compensación para trabajadores | $86 |
| Seguro de propiedades comerciales | $134 |
Business Insurance Costs by Industry
Insurance premiums will often vary between industries because each industry faces unique risks. The best way to safeguard your business is to find the right type of insurance customized to your business’ needs. Although costs will vary, you can learn what certain industries pay on average for a Business Owner’s Policy (BOP) with The Hartford in the table below.
| Industria | Avg. Monthly Premium for a Business Owner’s Policy3 |
|---|---|
| Business Consulting | $86 |
| Accountants | $85 |
| Ingeniería | $107 |
| Retail Stores | $152 |
| Restaurants | $413 |
| Manufacturers | $115 |
| Photographers | $72 |
| Beauty Salons | $113 |
| Barbershops | $110 |
How Business Insurance Costs Are Calculated
Many people ask what the median cost of business insurance is, but it really depends on what kind of business you have. For example, higher risk companies can expect to pay more for insurance. That’s why looking at this average isn’t always helpful for small business owners that want an estimate of their own costs. Instead, focus on the average costs in your specific industry.
In many cases, it’s more realistic to plan your insurance costs based on your:
- Industry type: Your industry may impact the cost for business insurance because of the risk factors associated with the work you do.
- Business operations’ size: If your business has expanded its operations and increased in overall size, you’ll most likely need to get additional coverage.
- Number of employees: If you have more employees, you’ll need more coverages to keep them protected from risks like customer lawsuits and accidents, injuries or illnesses they might experience on the job.
- Coverage needs: Each business has different coverage needs because each business is unique. Some companies may be legally required to carry certain coverages depending on what you do and where you’re located.
- Industry risk: Typically, riskier businesses pay more for insurance. Risk factors can include financial and physical risks to your business, employees, vendors and customers. Más información sobre business insurance by industry hoy mismo.
- Business location: Companies located in heavily populated areas often experience a higher likelihood of crime or vandalism, which can cause your rates to go up. State business insurance requirements also vary, which can impact your commercial property insurance cost.
- Public visibility: People may target well-known businesses in the public eye more often than lesser known companies. For this reason, insurance rates may increase as you gain more of a reputation.
- Payroll size: Your payroll helps determine your workers’ compensation benefits. The larger your payroll, the higher your premium will be because there’s a higher risk for bodily injuries.
- Coverage levels: The more coverage you add to your policy and the higher the limits, the more you’ll pay. Sometimes, choosing a higher deductible can help lower your monthly or annual premiums.
How To Save on Business Insurance
We know how important it is to protect the business that you’ve worked so hard to build. Without the protection of business insurance, your business would have to pay out of pocket for costly claims. If you’re ready to get business insurance, be sure to consider these ways to save money while getting the coverages you need:
- Bundle your policies: You can save money on business insurance by bundling essential coverage into one policy. For instance, a Business Owner’s Policy (BOP) combines business income, commercial property and general liability insurance into one convenient policy.
- Pay your premium up front: It’s always an option to pay your premium monthly, but if you pay the entire cost upfront each year, you could get a discount on your business insurance costs.
- Raise your deductible: Your deductible is the amount you’ll pay out of pocket before your insurance company will cover a claim. By increasing your deductible, you may be able to lower your total insurance costs per month.
Get a Quote for Business Insurance From The Hartford
We’re an insurance company you can trust to help protect your business. Learn more about what business insurance is y when to get business insurance. We also offer free online insurance quotes you can get quickly and easily.
Última actualización: 11 de marzo de 2024
1,2,3 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
Divulgaciones adicionales a continuación.