Contractor Insurance Cost Calculator
Last updated: July 2026
Estimate a contractor insurance budget combining general liability, workers compensation, tools coverage, commercial auto and umbrella insurance.
Estimated annual contractor insurance cost
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- General-liability estimate: —
- Workers compensation estimate: —
- Tools and equipment coverage: —
- Commercial auto, umbrella and fees: —
On this page
Quick summary: Estimate a contractor insurance budget combining general liability, workers compensation, tools coverage, commercial auto and umbrella insurance. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator estimates
Estimate a contractor insurance budget combining general liability, workers compensation, tools coverage, commercial auto and umbrella insurance. It is designed for fast planning and comparison in the United States. The output is an estimate, not a binding quote, approval, tax determination, insurance offer or professional recommendation.
How to use it
Enter the requested values using a single consistent time period and currency. Select Calculate, review the headline result and supporting figures, then change one assumption at a time to compare another scenario.
How the calculation works
The estimate combines revenue-rated general liability, payroll-rated workers compensation, value-rated tools coverage, vehicle premiums, umbrella coverage and fees.
Important limitations
Trade class, subcontractors, payroll codes, claims, contracts, states, vehicle use, limits and insurer audits can materially change actual costs.
Frequently asked questions
Is the result exact?
No. It is a planning estimate based on the assumptions entered.
Can I compare different scenarios?
Yes. Change one input at a time so you can see which assumption changes the result.
Does the calculator store my inputs?
The calculation runs in the browser and does not require an account. Avoid entering unnecessary confidential information.