Free Business Insurance Tools
Estimate costs and find the right coverage — no login required
Our free business insurance tools help you estimate costs, check state requirements, and figure out which coverage types your business needs — all without talking to a sales agent or creating an account.
Each tool uses publicly available industry data, NCCI class codes, and state regulatory information to generate educational estimates. These are not quotes — they're starting points to help you understand what to expect before you contact a licensed agent for an actual policy.
All tools are free to use with no login required. Results are calculated instantly in your browser.
Workers' Comp Calculator
Estimate your premium based on class code, payroll, and state
GL Cost Estimator
Get a general liability cost range for your industry
Insurance Needs Quiz
Find out which coverage types your business needs
State Requirements
Check mandatory insurance requirements in your state
Cyber Risk Assessment
Assess your business cyber risk and coverage needs