Business Insurance Cost Calculator & Quote Comparison

Enter up to three business insurance quotes, calculate total payment cost, compare policy terms, and turn missing details into questions for your agent.

No signup · no upload · no stored entries

What this worksheet is for

A lower premium is only meaningful when the proposals describe equivalent coverage. This worksheet keeps price, limits, deductibles, policy triggers, fees and unanswered questions in one comparison.

Enter three proposals

Transcribe the proposal—not what you remember from a call. Blank fields remain visible as questions.

Field-by-field comparison of three business insurance proposals
Comparison field	Quote A	Quote B	Quote C
Insurer / carrier
Annual premium ($)
Taxes and policy/broker fees ($)
Number of payments
Fee per additional payment ($)
Occurrence / claim limit
Aggregate limit
Deductible / retention
Occurrence or claims-made
Retroactive date, if applicable
Defense inside or outside limit
Material exclusions / restrictions

Your working result

Quote AEnter premium0% fields completed

Quote BEnter premium0% fields completed

Quote CEnter premium0% fields completed

Total = premium + disclosed fees + additional-payment fees. It does not include undisclosed charges or audited exposure changes.

Terms that differ

No populated differences detected yet.

Questions still open (33)

Quote A: confirm annual premium ($)
Quote A: confirm taxes and policy/broker fees ($)
Quote A: confirm number of payments
Quote A: confirm fee per additional payment ($)
Quote A: confirm occurrence / claim limit
Quote A: confirm aggregate limit
Quote A: confirm deductible / retention
Quote A: confirm occurrence or claims-made
Quote A: confirm retroactive date, if applicable
Quote A: confirm defense inside or outside limit
Quote A: confirm material exclusions / restrictions
Quote B: confirm annual premium ($)
Quote B: confirm taxes and policy/broker fees ($)
Quote B: confirm number of payments
Quote B: confirm fee per additional payment ($)
Quote B: confirm occurrence / claim limit
Quote B: confirm aggregate limit
Quote B: confirm deductible / retention
Quote B: confirm occurrence or claims-made
Quote B: confirm retroactive date, if applicable
Quote B: confirm defense inside or outside limit
Quote B: confirm material exclusions / restrictions
Quote C: confirm annual premium ($)
Quote C: confirm taxes and policy/broker fees ($)
Quote C: confirm number of payments
Quote C: confirm fee per additional payment ($)
Quote C: confirm occurrence / claim limit
Quote C: confirm aggregate limit
Quote C: confirm deductible / retention
Quote C: confirm occurrence or claims-made
Quote C: confirm retroactive date, if applicable
Quote C: confirm defense inside or outside limit
Quote C: confirm material exclusions / restrictions

Private by design: entries remain in this browser tab. Use categories and totals—never sensitive personal information.

Transparent method

How the result is produced

The total is annual premium plus disclosed policy, broker and installment fees entered by you.
Completeness is completed comparison fields divided by the fields shown. It is not a quality, coverage or insurer rating.
Differences and blank fields are surfaced as questions; the tool never declares a policy suitable or superior.

Boundaries

What it cannot determine

Whether a policy covers a particular claim
Whether an insurer or proposal is suitable
Undisclosed fees, exclusions or endorsements

Sources used to design this worksheet

These sources support the questions and process—not an individualized recommendation. State-specific sources are identified as examples and are not presented as nationwide rules.

Method and sources reviewed August 13, 2026. Entries and results should be confirmed against the actual proposal or policy with an appropriately licensed professional.