Commercial Insurance

Insurance built into your stack, not bolted on after

One uninsured claim can undo years of margin. We map the exact policies your industry typically needs, what each one actually covers, and what it costs — the same plain-English approach we use for your software stack.

We don't have carrier partnerships yet, so this is educational content and links to each provider's public site — not a quote engine, and not an affiliate link. Real quote comparisons are coming once partnerships are signed.

9 policy types across 5 industries — here's what coverage typically costs

9Policy types mapped and explained

$200-670/moEssential bundle for a trade business

5Industries with tailored guides

All figures are typical ranges for growing small businesses — actual costs vary by payroll, revenue, and claims history.

Step 1

See what your industry needs

Every policy an industry typically carries, split into essential and worth-adding-as-you-grow.

Step 2

Compare coverage and cost in plain English

What's covered, what's excluded, what drives the price, and a real claim example — no jargon.

Step 3

Go straight to a provider

Direct links to well-known carriers' and brokers' own quote pages. One-click bundled comparisons are next, once partnerships are signed.

We map every policy an industry typically needs before it becomes a claim, not after.

Only 2 of the 9 policy types here — workers' compensation and commercial auto — are legally mandated once you meet the trigger (an employee, a business vehicle). The other 7 are 'required' the way a landlord, a client contract, or a marketplace's onboarding checklist requires them: not a statute, but a real condition of doing business that's just as hard to skip.

Every policy type, explained

General Liability

Covers third-party injury, property damage, and lawsuits.

$30–$100/mo

See coverage details

Workers' Comp

Covers employee injuries and lost wages — mandatory in nearly every state.

$45–$180/mo · often required by law

See coverage details

Professional Liability (E&O)

Covers claims that your advice, service, or work product caused a financial loss.

$45–$150/mo

See coverage details

Commercial Auto

Covers vehicles used for business — required if you own or lease them.

$100–$300/mo · often required by law

See coverage details

Business Owner's Policy

Bundles general liability and commercial property into one discounted policy.

$60–$200/mo

See coverage details

Commercial Property

Covers your building, inventory, and equipment against fire, storm, theft, and vandalism.

$50–$250/mo

See coverage details

Cyber Liability

Covers data breaches, ransomware, and the cost of notifying affected customers.

$60–$200/mo

See coverage details

Tools & Equipment

Covers tools and equipment on the job site, in transit, or in storage — not just at a fixed address.

$25–$90/mo

See coverage details

Umbrella / Excess Liability

Adds extra liability limits on top of your other policies once they're exhausted.

$40–$150/mo

See coverage details

$90-670/mo

Essential-bundle cost spans a 7x range by industry

Ecommerce's essential bundle (general liability + cyber liability) runs $90-300/mo; a field-service trade running vehicles and crews (general liability + workers' comp + commercial auto + tools & equipment) runs $200-670/mo. Physical labor and vehicles on the road drive the gap — not arbitrary pricing.