Business Insurance by Industry
Insurance needs vary dramatically by industry. A cleaning business can get full coverage for under $1,000/year, while a trucking company may pay $100,000+. These guides break down the specific coverages, requirements, and costs for your industry.
Insurance for ContractorsHigh Risk
Workers comp, general liability, inland marine, builder's risk, surety bonds, and costs by trade (GC, electrician, plumber, roofer, painter).
Typical annual cost: $2,000 - $25,000/yr
Insurance for RestaurantsMedium Risk
BOP, workers comp, liquor liability, product liability, equipment breakdown, and costs for sit-down and takeout restaurants.
Typical annual cost: $3,000 - $15,000/yr
Insurance for Trucking CompaniesHigh Risk
FMCSA requirements ($750K-$5M liability), commercial auto, cargo, physical damage, bobtail, and costs by fleet size.
Typical annual cost: $8,000 - $400,000+/yr
Insurance for Cleaning BusinessesLow Risk
GL, workers comp, janitorial bonds, and costs. One of the most affordable industries to insure.
Typical annual cost: $400 - $6,000/yr
Insurance for Landscaping BusinessesMedium Risk
GL, workers comp (high risk), commercial auto, equipment coverage, and costs for lawn care and landscaping.
Typical annual cost: $1,500 - $15,000/yr
Insurance for Salons & Barber ShopsLow Risk
GL, professional liability (chemical reactions, burns), product liability, property coverage, and costs.
Typical annual cost: $300 - $5,000/yr
Not seeing your industry? Start with our general guides: General Liability, Workers' Comp, Commercial Auto, Professional Liability, and Business Owners Policy (BOP). These cover the fundamentals that apply to every business.