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Commercial Insurance Premium Estimator
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How to Use This Estimator  —  Read Before You Start

Step-by-Step

  • 1Industry / Class — select the prospect's industry from the dropdown on the left.
  • 2Employees, Years in Business & Annual Revenue — fill in these three required fields. They drive most of the estimates.
  • 3State — select to apply regional rate adjustments. This matters most for Workers' Comp and Auto.
  • 4Coverage Lines — check the ones to include. Add building value or vehicle count if needed.
  • 5Estimated Annual Premium — review the results on the right to decide if this account is worth pursuing.

What This Tool Is (and Isn't)

  • Purpose: Quickly estimate whether a prospect's total insurance spend makes them worth pursuing before investing real time.
  • This is an ESTIMATOR — not a quote, not a binder, not a coverage offer. Actual premiums can vary significantly.
  • State rates vary widely — especially Workers' Comp (can be 3–5x different between states) and Commercial Auto.
  • Loss history, credit, individual underwriting, and carrier appetite all affect final pricing.
  • For trucking, radius of operation dramatically changes auto premium. Use the radius selector.
⚠️ Important: Use this tool to ballpark account size and decide if an opportunity is worth your time — not to present numbers to a prospect. Estimates shown are national/regional averages and can be 20–50% off in either direction depending on the specific risk, state, and market conditions.

Commercial Insurance Premium Estimator

Indicative figures — not a binding quote  |  For licensed producer use only

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Business Information
Core inputs for all coverages
Payroll
Loss History
Coverage Lines
Property Details
Auto Details
Tractor-trailer rates: Local ~$7,000/unit · Intermediate ~$10,500/unit · Long Haul ~$17,500/unit
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Estimated Annual Premium
Indicative figures — not a binding quote
Complete the inputs to see estimates
Select industry, enter employees and annual sales to begin.
Total Estimated Annual Premium
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Monthly: — Range: — Per employee: —
Estimator Disclaimer: This tool provides indicative premium estimates for discussion purposes only and does not constitute a quote, binder, or coverage offer. Actual premiums are determined by the insurer based on full underwriting information, state-specific filings, individual risk characteristics, and market conditions. Rates shown are hypothetical baseline figures based on national averages. State rates can vary 50–300% from these figures — particularly Workers' Compensation and Commercial Auto. For licensed producer use only.