General Liability Insurance Cost for $1 Million in 2026: What the Policy Actually Runs
General liability insurance cost for $1 million: about $42 a month for a typical small business, or $500 a year. A consultant pays $29 a month…
Topic
Business Insurance
Insurance guides for small business owners: costs, coverage, and what each policy actually does.
38 guides
Cost of Workers Compensation Insurance in Texas in 2026: Rates, the Optional Rule, and Real Premium Math
Texas workers comp loss costs run 0.02 to 1.98 dollars per 100 dollars of payroll. Rate math from the TDI guide, the non-subscriber rule, and worked…
Cheapest Health Insurance for a Small Business With One Employee
A QSEHRA is usually cheapest for a one-employee business: up to 6,450 dollars self-only and 13,100 dollars family in 2026. SHOP needs one unrelated employee.
How Much Is Workers Comp Insurance for Self-Employed Workers?
Workers comp for self-employed workers runs $14 to $75 a month. Ghost policy vs real coverage, state rules, and what moves your quote.
How Much Is Business Insurance For An LLC?
An LLC pays about 45 dollars a month for general liability at the median, and about 83 dollars for a business owners policy. Full cost table…
Claims-Made vs Occurrence: How Professional Liability Policy Timing Changes Your Coverage
Two E and O policies with the same limit can behave very differently years later. This guide explains claims made and occurrence triggers, retroactive dates, and…
Workers Comp Ghost Policies and Owner Exclusions: How Solo Operators Handle the Requirement
A one person business with no employees can still be asked for a workers comp certificate. This guide explains ghost policies, owner exclusions, why clients demand…
Business Insurance for a Small Retail Shop: The Policies a Storefront Needs
Customers, stock, and a lease make a retail shop's insurance needs specific. This guide walks through general liability, property, business interruption, and the bundle most small…
New Business Insurance Checklist: What to Buy Before You Open
General liability before the lease, workers comp before the first hire, certificates ready on opening day. The new business insurance checklist, in order.
Business Liability Insurance Types: A Beginner’s Guide for Small Business Owners
General, professional, product, employer's, auto, D&O, EPLI, cyber, umbrella. What each liability type covers and which ones your business needs.
Are Business Insurance Premiums Tax Deductible? What Owners Can Write Off
Most business insurance premiums are deductible as ordinary and necessary expenses. Here is what qualifies, the exceptions, and where to claim it.
How Much Does Small Business Insurance Cost in 2026? The Full Breakdown
From $45/month general liability to $142/month commercial auto, here are the 2026 median premiums for every major small business policy line.
