Business Insurance Costs by Industry

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Each guide breaks down typical premiums, the factors that move pricing up or down, and what coverage most businesses in that line of work actually buy.

For a general overview of how business insurance pricing works, start with our general pricing overview — then come back here for industry-specific numbers.

Construction & Skilled Trades

Cost guides for builders, contractors, and tradespeople.

Cleaning & Property Services

Cost guides for cleaning, maintenance, and property-care businesses.

Pet Care & Animal Services

Cost guides for businesses caring for animals.

Auto & Transportation

Cost guides for trucking, transport, and auto-related businesses.

Food & Beverage

Cost guides for restaurants, food vendors, and beverage businesses.

Retail & E-Commerce

Cost guides for physical stores and online sellers.

Hospitality & Real Estate

Cost guides for hotels, property managers, and real-estate professionals.

Health & Wellness

Cost guides for medical professionals and healthcare-related businesses.

Beauty, Fitness & Personal Care

Cost guides for salons, fitness instructors, and personal-care professionals.

Professional & Business Services

Cost guides for consultants, agencies, and white-collar professionals.

Arts, Media & Entertainment

Cost guides for creatives and entertainment professionals.

Specialty & Niche

Cost guides for industries with specialized or unconventional insurance needs.

About Cara Carlone

Cara Carlone is a Chartered Property Casualty Underwriter (CPCU) with 20+ years of experience in underwriting, portfolio management, and competitive analysis. She has led underwriting strategy at LOOP and produced market research at Amica Insurance. She now applies her deep industry expertise to create clear, accurate, and consumer-focused insurance content for Insuranceopedia. In her free time, she enjoys baking, reading, and listening to podcasts.
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