Commercial insurance for small businesses

What small-business insurance costs — and what your trade actually needs

Two quick picks get your state’s requirements and a real filed-rate benchmark, or browse by trade — coverage rules straight from the statute, every figure sourced.

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Each trade: state-by-state requirements, costs modeled by business size, and a source for every fact.

Auto repair shops

Median workers’-comp rate$1.90 / $100 payroll31 state guides · as of 2024

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Bars

Median workers’-comp rate$1.14 / $100 payroll28 state guides · as of 2024

Costs + coverage guide →

Carpenters

Median workers’-comp rate$4.75 / $100 payroll25 state guides · as of 2024

Costs + coverage guide →

Electricians

Median workers’-comp rate$2.37 / $100 payroll42 state guides · as of 2024

Costs + coverage guide →

Fast food

Median workers’-comp rate$1.09 / $100 payroll42 state guides · as of 2024

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Home-health agencies

Median workers’-comp rate$1.64 / $100 payroll23 state guides · as of 2024

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Painters

Median workers’-comp rate$5.08 / $100 payroll26 state guides · as of 2024

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Physician offices

Median workers’-comp rate$0.28 / $100 payroll38 state guides · as of 2024

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Restaurants

Median workers’-comp rate$1.09 / $100 payroll45 state guides · as of 2024

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Roofers

Median workers’-comp rate$9.64 / $100 payroll30 state guides · as of 2024

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Trucking companies

Median workers’-comp rate$5.68 / $100 payroll39 state guides · as of 2024

Costs + coverage guide →

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