Provident Financial Group

Cost by profession

What business insurance actually costs, trade by trade

Real-world premium ranges at three business sizes, what drives the price in your trade, and how similar businesses bring it down. Every figure is a typical range for planning — not a quote.

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Showing 50 of 50 cost pages.

Workers' Comp

Hair salons

$600 - $1,400 / yr for a small operation, $3,800 - $7,500 / yr at scale.

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General Liability

Barbershops

$450 - $850 / yr for a small operation, $1,900 - $3,200 / yr at scale.

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General Liability

Nail salons

$500 - $1,000 / yr for a small operation, $2,300 - $3,600 / yr at scale.

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Business Owner's Policy

Day spas

$900 - $1,700 / yr for a small operation, $3,500 - $5,800 / yr at scale.

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General Liability

Med spas

$1,200 - $2,200 / yr for a small operation, $4,800 - $7,500 / yr at scale.

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Professional Liability

Massage studios

$350 - $650 / yr for a small operation, $1,400 - $2,000 / yr at scale.

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General Liability

Estheticians

$300 - $600 / yr for a small operation, $1,200 - $1,800 / yr at scale.

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Business Owner's Policy

Janitorial and commercial cleaning companies

$700 - $1,300 / yr for a small operation, $3,200 - $5,000 / yr at scale.

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Workers' Comp

Cleaning companies

$1,000 - $2,000 / yr for a small operation, $6,000 - $9,500 / yr at scale.

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General Liability

Residential cleaning companies

$500 - $900 / yr for a small operation, $2,000 - $3,200 / yr at scale.

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General Liability

Carpet cleaning companies

$600 - $1,100 / yr for a small operation, $2,500 - $3,600 / yr at scale.

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General Liability

General contractors

$2,500 - $4,800 / yr for a small operation, $9,500 - $18,000+ / yr at scale.

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Workers' Comp

Electricians

$3,000 - $5,200 / yr for a small operation, $14,000 - $28,000+ / yr at scale.

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General Liability

Plumbers

$1,800 - $3,200 / yr for a small operation, $7,000 - $14,000+ / yr at scale.

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Workers' Comp

HVAC contractors

$3,200 - $5,500 / yr for a small operation, $13,000 - $24,000+ / yr at scale.

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Workers' Comp

Roofers

$8,000 - $14,000 / yr for a small operation, $28,000 - $50,000+ / yr at scale.

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General Liability

Landscapers

$700 - $1,400 / yr for a small operation, $3,800 - $7,000+ / yr at scale.

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General Liability

Painters

$900 - $1,600 / yr for a small operation, $4,200 - $8,000+ / yr at scale.

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General Liability

Handyman businesses

$500 - $1,000 / yr for a small operation, $2,600 - $4,500+ / yr at scale.

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General Liability

Carpenters

$1,200 - $2,200 / yr for a small operation, $5,200 - $9,000+ / yr at scale.

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Workers' Comp

Drywall contractors

$3,500 - $5,800 / yr for a small operation, $11,000 - $18,000+ / yr at scale.

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General Liability

Masonry and concrete contractors

$1,800 - $3,200 / yr for a small operation, $6,500 - $9,500 / yr at scale.

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Workers' Comp

Excavation contractors

$12,000 - $22,000 / yr for a small operation, $45,000 - $65,000+ / yr at scale.

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General Liability

Flooring and tile installers

$1,200 - $2,000 / yr for a small operation, $4,000 - $6,000 / yr at scale.

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General Liability

Tree service companies

$2,500 - $4,500 / yr for a small operation, $9,000 - $13,000 / yr at scale.

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General Liability

Pressure washing companies

$600 - $1,100 / yr for a small operation, $2,400 - $3,000 / yr at scale.

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General Liability

Fencing contractors

$1,400 - $2,400 / yr for a small operation, $4,500 - $6,500 / yr at scale.

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Workers' Comp

Welding businesses

$8,000 - $14,000 / yr for a small operation, $28,000 - $38,000+ / yr at scale.

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General Liability

Solar installers

$2,000 - $3,500 / yr for a small operation, $6,500 - $9,000 / yr at scale.

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General Liability

Snow removal companies

$1,500 - $2,500 / yr for a small operation, $5,000 - $7,500 / yr at scale.

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General Liability

Junk removal companies

$900 - $1,600 / yr for a small operation, $3,200 - $4,800 / yr at scale.

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Business Owner's Policy

Restaurants

$2,500 - $5,500 / yr for a small operation, $9,500 - $18,000+ / yr at scale.

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Business Owner's Policy

Food trucks

$1,800 - $3,200 / yr for a small operation, $5,200 - $9,000+ / yr at scale.

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General Liability

Bars and taverns

$1,800 - $3,500 / yr for a small operation, $6,500 - $15,000+ / yr at scale.

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Business Owner's Policy

Cafes and bakeries

$1,500 - $2,800 / yr for a small operation, $5,000 - $10,000+ / yr at scale.

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General Liability

Caterers

$1,200 - $2,200 / yr for a small operation, $4,200 - $8,500+ / yr at scale.

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Commercial Auto

Trucking companies

$9,000 - $13,000 per power unit / yr for a small operation, $11,000 - $18,000+ per power unit / yr at scale.

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Commercial Auto

Courier and delivery companies

$3,500 - $5,500 per vehicle / yr for a small operation, $5,500 - $9,000+ per vehicle / yr at scale.

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Business Owner's Policy

Retail stores

$1,000 - $2,200 / yr for a small operation, $4,000 - $9,000+ / yr at scale.

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General Liability

Auto repair shops

$1,500 - $2,800 / yr for a small operation, $5,000 - $10,000+ / yr at scale.

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General Liability

Towing companies

$2,500 - $4,500 / yr for a small operation, $7,500 - $14,000+ / yr at scale.

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General Liability

Daycare centers

$900 - $1,900 / yr for a small operation, $5,000 - $9,500 / yr at scale.

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General Liability

Gyms and fitness studios

$700 - $1,500 / yr for a small operation, $3,500 - $7,000 / yr at scale.

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Professional Liability

Personal trainers

$200 - $400 / yr for a small operation, $900 - $1,800 / yr at scale.

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Business Owner's Policy

Photographers

$400 - $800 / yr for a small operation, $2,000 - $4,000 / yr at scale.

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Professional Liability

IT consultants

$500 - $1,000 / yr for a small operation, $3,000 - $7,000 / yr at scale.

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Professional Liability

Marketing agencies

$600 - $1,200 / yr for a small operation, $3,500 - $7,000 / yr at scale.

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Cyber Liability

Medical offices

$1,000 - $2,200 / yr for a small operation, $6,000 - $14,000 / yr at scale.

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Workers' Comp

Staffing agencies

$15,000 - $35,000 / yr for a small operation, $400,000 - $900,000+ / yr at scale.

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General Liability

Pet groomers

$400 - $700 / yr for a small operation, $1,800 - $3,500 / yr at scale.

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