Professional services
Small Business Insurance Calculator
A business owner's package premium, combining liability and property cover.
Result
An estimating tool, not insurance advice and not a quote. Actual premiums are set by underwriting on factors no calculator sees: claims history, credit and loss data, exact location, construction, contract requirements and the insurer's own appetite. What cover you need is a question for a licensed broker who has looked at your situation. A business owner's policy bundles general liability and commercial property at a lower combined cost than buying them separately, but eligibility is restricted by size and industry and the standard forms exclude several things smaller businesses assume are covered: professional liability, employee injury, vehicles and cyber.
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About this calculator
What is a BOP?
A business owner's policy, packaging general liability with commercial property. Cheaper than separate policies where you qualify, and eligibility is limited by revenue, industry and building size.
What does it not cover?
Professional liability, workers compensation, commercial auto and cyber are all separate. Assuming a package covers everything is how businesses discover gaps at the worst moment.
The formula
premium = exposure / rate basis x rate x risk multiplier, less deductible credit, plus claims loading
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