Texas business · package estimator
Roughly size commercial premiums
Tell us a bit about your operation, pick a package band to highlight, and view three estimated monthly premiums—for education only, not a binding quote.
Your business
Coverage package focus
BOP-style illustration: pick a package band to highlight. All three estimated monthly premiums show after you run the numbers.
- Lower illustrative multiplier—starting point for minimum-style packages
- Think general liability emphasis in the educational model
- Real policies vary by class code and endorsements
- Balanced property + liability illustration
- Useful middle ground before broader endorsements
- Not a specific carrier form or limit set
- Higher multiplier for education—extra cushion in the mock math
- May map conversation to cyber, hired/non-owned auto, or higher limits
- Underwriting still drives real premium
Estimated monthly premium
For educational purposes only—not a quote.
Use See estimates for illustrative premiums by package level.
Methodology
How we estimate (today)
Transparent, simplified logic you can swap for real data later—nothing here replaces underwriting.
- We start from an illustrative base by business type, then scale with employee count and revenue band—common proxies for exposure in small-commercial conversations.
- Basic, Standard, and Enhanced tiers apply different multipliers to suggest how broader packages often track with premium.
- Class codes, loss history, locations, and equipment are not modeled here.
Texas small business
Six things worth a second look
Practical reminders while you think about GL, property, and add-ons.
Classify operations accurately
Misclassified work can void coverage or leave gaps—describe what you actually do day to day.
Track certificates
Subcontractors and landlords often require proof of insurance on file.
Separate personal and business
Personal auto or home policies rarely cover business activities or equipment.
Plan for cyber exposure
Even small shops can face data or payment fraud losses—ask about cyber endorsements.
Watch hired and non-owned auto
If staff drive for work, you may need auto-related liability beyond personal policies.
Review when you grow
New hires, locations, or revenue tiers can change which carriers will quote.
Calculator FAQ
Ready for real numbers?
Our agents compare carriers and explain options in plain English—no obligation.