✓ Verified Oct 2026 NAIC SERFF Rate Filings, NCCI Manuals & 50-State DOI (.gov) Rules 🏛️ NAIC Property & Casualty Filings · State Dept. of Insurance (.gov)

Commercial General Liability (GL) & Business Owner's Policy (BOP) Cost Calculator by Industry (2026)

2026 Commercial Underwriting Benchmark: Model 2026 Commercial General Liability ($1M/$2M) and Business Owner's Policy (BOP) premiums ($350–$1,850/yr) including Commercial Property, Business Interruption, and Hired/Non-Owned Auto (HNOA) endorsements.

⏱️ 30-Second CFO & Risk Audit Verdict: GL & BOP Calculator (2026) NAIC & Carrier Rate Filings

🏆 BEST BUNDLED COMMERCIAL PACKAGE
Embroker ($1,480–$4,200/yr) & Vouch ($1,350–$3,890/yr): Combining D&O, Tech E&O, Cyber, and General Liability/BOP under one digital underwriter cuts total annual premium by 15%–24% and eliminates multi-carrier coverage gaps.
⚠️ CONTRACT & STATUTORY COMPLIANCE TRAP
Institutional investor term sheets require $1M–$5M Side-A D&O before board seat closing, commercial landlords mandate $1M/$2M General Liability + Additional Insured (ISO CG 20 10), and states enforce strict stop-work fines ($100–$1,000/day) for missing Workers' Compensation coverage.
⚡ FASTEST INSTANT SMB COI BIND
Next Insurance ($350–$1,180/yr) & Hiscox ($480–$1,450/yr): Instant online ACORD 25 Certificate of Insurance generation for General Liability, BOP, and Workers' Compensation.

Quote Commercial Package on Embroker → Compare Next Insurance Instant COI →

🧮 2026 NAIC / NCCI / SERFF COMMERCIAL RATE CALCULATOR

Interactive 2026 GL & BOP Calculator & Commercial Policy Estimator

Adjust your company stage/sector, annual revenue/payroll, headcount, policy limit tier, and state NAIC multiplier to calculate 2026 annual and monthly premiums:

Coverage Line & Sector Profile:

Annual Revenue / Payroll Band:

Employee Headcount (1–250): 18

Policy Limit Tier (Occ / Agg):

Embroker (Startup D&O + Tech E&O + BOP) $2,420/yr $202/mo · Digital Underwriting + Board-Ready Binder

Quote Embroker →

Vouch (Venture-Backed D&O, BOP & E&O) $2,260/yr $188/mo · YC/VC Term-Sheet Compliant Limits

Check Vouch Rate →

Hiscox (Small Business BOP & GL) $1,180/yr $98/mo · Instant Landlord & Client ACORD 25 COI

Get Hiscox Quote →

Next Insurance (GL, BOP & Workers' Comp) $990/yr $83/mo · 100% Online Bind in Under 10 Minutes

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Compare 2026 Commercial Insurance Quotes by Carrier

Carrier / Underwriter	AM Best Rating	$1M/$1M Annual Cost	$2M/$2M Mid-Market Cost	$5M/$5M Enterprise Cost	Direct Quote Action
Embroker Embroker Tech E&O + Cyber Package (Startup & Mid-Market SaaS/AI)	A (Excellent) — Class XV	$1,480–$2,650/yr ($123–$221/mo)	$2,450–$4,200/yr ($204–$350/mo)	$5,800–$9,600/yr ($483–$800/mo)	Quote Tech E&O + Cyber on Embroker →
Vouch Vouch Business Shield (Venture-Backed Tech E&O, Cyber & D&O)	A- (Excellent) — Class IX+	$1,350–$2,380/yr ($112–$198/mo)	$2,250–$3,890/yr ($188–$324/mo)	$5,400–$8,950/yr ($450–$746/mo)	Check Vouch Tech E&O + Cyber Rate →
Hiscox Hiscox Professional Liability (E&O) + Cyber & Data Security	A (Excellent) — Class XV	$540–$1,180/yr ($45–$98/mo)	$1,120–$2,190/yr ($93–$183/mo)	Via Excess Umbrella Quote ($3,800–$6,400/yr)	Get Instant Hiscox E&O Quote ($45/mo) →
Coalition Coalition Active Cyber & Tech E&O (with Active Attack Surface Monitoring)	A / A+ Backing (Allianz / Swiss Re / Arch)	$1,520–$2,790/yr ($127–$233/mo)	$2,600–$4,450/yr ($217–$371/mo)	$6,100–$9,900/yr ($508–$825/mo)	Run Coalition Active Cyber & E&O Scan →
Next Insurance Next Pro E&O + General Liability + Cyber Add-On	A- (Excellent) — Class VIII	$480–$990/yr ($40–$83/mo)	$960–$1,850/yr ($80–$154/mo)	Not offered directly online (caps at $2M/$4M)	Compare Next Insurance E&O ($40/mo) →
Chubb Chubb DigiTech Enterprise ERM + Cyber Enterprise Risk Management	A++ (Superior) — Class XV	$1,950–$3,400/yr ($163–$283/mo)	$3,400–$5,900/yr ($283–$492/mo)	$7,500–$14,200/yr ($625–$1,183/mo)	Compare Enterprise Tech E&O via Embroker / Chubb →