Small Business Casualty Insurance Insurance: Average Premiums & Pricing Factors
Quick Answer
How much does Small Business Casualty Insurance cost? Average premiums by business size, industry, and state — plus the key factors that drive your rate up or…
Comprehensive FAQ, cost guide, and claims examples for small business casualty insurance — liability and property coverage for small businesses.
What You Need to Know
Small business casualty insurance provides affordable liability and property coverage tailored to the needs of small businesses.
Small Business Casualty Insurance Cost by Business Size
| Business Size | Annual Revenue | Typical Premium | Notes |
|---|---|---|---|
| Micro Business | Under $100K | $500–$1,500/yr | Basic liability and property. |
| Small Business | $100K–$1M | $1,500–$5,000/yr | Comprehensive casualty coverage. |
What Determines Your Premium?
- Business Type (High impact) — Retail and office businesses pay less than restaurants or contractors.
- Revenue (Medium impact) — Higher revenue increases exposure and premiums.