Business Insurance Bundle Builder

Select your business type to see the recommended coverage bundle and estimated annual cost.

💻

SaaS Startup Bundle

$3,200 – $8,500/yr [ESTIMATE]

✓
General Liability (GL)
Covers bodily injury, property damage, advertising injury
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Cyber Liability
Data breaches, ransomware, notification costs
✓
E&O / Professional Liability
Claims arising from your software or services
✓
Directors & Officers (D&O)
Board decisions, investor disputes, regulatory actions
✗
Workers Compensation
Add if you have W2 employees in most states
✗
Commercial Auto
Add if using vehicles for business

Not included: Workers Comp and Commercial Auto not included — add separately if applicable.

Price ranges are estimates [ESTIMATE] based on industry averages. Actual costs vary by location, revenue, claims history, and insurer underwriting.

🔨

Contractor Bundle

$2,400 – $6,800/yr [ESTIMATE]

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General Liability (GL)
Essential for contractors — client site damage, injuries
✓
Commercial Auto
Vehicles used for job sites and transport
✓
Workers Compensation
Required in most states for contractors with employees
✓
Tools & Equipment Coverage
Protects tools, equipment from theft or damage
✗
Cyber Liability
Add if you handle customer digital data
✗
E&O / Professional Liability
Add if you provide design or consulting services

Not included: Cyber and E&O not included — add if your services include design/consulting.

Price ranges are estimates [ESTIMATE] based on industry averages. Actual costs vary by location, revenue, claims history, and insurer underwriting.

🏪

Retail Bundle

$1,800 – $5,200/yr [ESTIMATE]

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Business Owner's Policy (BOP)
GL + commercial property in one policy
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General Liability (GL)
Included in BOP — customer injuries, property damage
✓
Workers Compensation
Required if you have employees in most states
✓
Product Liability
Covers claims from products you sell causing harm
✗
Cyber Liability
Add if you run an e-commerce store or store card data
✗
Commercial Auto
Add for delivery vehicles

Not included: Cyber and Commercial Auto not included — add based on your operations.

Price ranges are estimates [ESTIMATE] based on industry averages. Actual costs vary by location, revenue, claims history, and insurer underwriting.

💼

Service Business Bundle

$2,000 – $5,800/yr [ESTIMATE]

✓
Business Owner's Policy (BOP)
GL + property — common starting point for service businesses
✓
General Liability (GL)
Included in BOP — covers client site injuries, damage
✓
E&O / Professional Liability
Errors in your service delivery, negligence claims
✓
Workers Compensation
Required in most states for businesses with employees
✗
Cyber Liability
Add if you store client data
✗
D&O
Add if you have a board or outside investors

Not included: Cyber and D&O not included — add based on your structure and data handling.

Price ranges are estimates [ESTIMATE] based on industry averages. Actual costs vary by location, revenue, claims history, and insurer underwriting.

🍽️

Restaurant Bundle

$3,500 – $9,000/yr [ESTIMATE]

✓
Business Owner's Policy (BOP)
GL + property coverage — essential for physical locations
✓
General Liability (GL)
Customer injuries, slip-and-falls, food-borne illness claims
✓
Workers Compensation
High-injury-risk industry — required in most states
✓
Liquor Liability
Required in most states if you serve alcohol
✗
Commercial Auto
Add if you offer delivery using business vehicles
✗
Cyber Liability
Add if you process payments or store reservation data online

Not included: Commercial Auto and Cyber not included — common additions for delivery and online ordering.

Price ranges are estimates [ESTIMATE] based on industry averages. Actual costs vary by location, revenue, claims history, and insurer underwriting.

Pre-Built Coverage Bundles