General Liability & BOP Cost Estimator: 2026 Small Business Insurance Pricing Guide

Industry base rates come from published 2026 aggregated small-business pricing data and reflect a baseline of 1-4 employees and roughly $250,000 in annual revenue. The employee count factor is the single biggest driver of cost — published data shows premiums jump roughly 168% when a business grows from the 1-4 employee band to the 5-9 employee band. New businesses (under 3 years old) are modeled with a 15-25% surcharge since they lack the multi-year claims-free history carriers use for preferred pricing. A BOP bundles GL and commercial property coverage and is modeled here at roughly a 10% discount versus buying both policies separately, consistent with published bundling comparisons. This is a directional planning estimate, not a bindable quote — real premiums are set by individual carrier underwriting.