Install
Tools
Free calculators and checklists for business owners: coverage needs, workers' comp, experience mods, business income limits, coinsurance, contracts, certificates, benefits and more. They run in your browser; nothing you type is sent to this site.
Regulation
ACA employer mandate (ALE) calculator Tells you whether last year's headcount makes you an applicable large employer and estimates the 4980H(a) and 4980H(b) payments you could face in 2026 or 2027. Certificate of insurance (COI) review checklist Check a received certificate for the named insured, dates, limits, endorsements and insurer ratings. Each answer becomes a pass or a flag. Contract insurance requirements checker Enter what a contract, lease or subcontract requires and what your policies have, and get a gap list with the endorsements usually used to close each gap. Subcontractor insurance requirements builder Build the insurance exhibit for a subcontract: coverages, limits, additional insured, waiver and notice terms as numbered clauses you can copy or print. Workers' comp and benefits requirements by state Look up one state's workers' comp threshold, disability and paid leave programs, auto minimums and regulator, or compare two states side by side.
Commercial Lines
Business income (interruption) limit calculator Estimate the business income limit you need after a covered loss, including extended recovery and extra expense, then test it against your coinsurance clause. Business insurance claim checklist Ordered claim steps for property, liability, auto, workers' comp, cyber and crime losses, with one place for incident notes to print, download or save. Business insurance quote comparison worksheet Enter up to four quotes and see total cost, the lowest limits, highest deductibles, missing coverages, surplus lines insurers, weak ratings and exclusions. Business insurance renewal timeline planner Enter your policy expiration date for a dated 120-day renewal plan, shown as a table and downloadable as a calendar file for Outlook, Google or Apple. Coinsurance penalty calculator See what a commercial property policy pays when your limit falls short of the coinsurance requirement, how big the penalty is and the limit that avoids it. Commercial driver checker List your drivers' ages, experience, violations and accidents and see which ones commercial auto underwriters would likely question, and what to do about each. How much umbrella coverage do I need? Score the exposures that drive large liability claims, apply any contract-required limit and check your primary limits to get a starting umbrella range. Premium finance calculator Shows what financing a commercial premium costs: the payment, the total finance charge and the effective annual rate, compared with paying the premium in full. Property valuation helper A rough check of your building limit from your own cost per square foot, an optional dated cost trend, code and debris allowances, and your coinsurance. Surety bond cost calculator Estimates a surety bond premium from a flat rate or a tiered rate schedule, adjusted for credit and subject to a minimum premium. Example rates, not a quote. Tail coverage cost calculator Prices an extended reporting period on a claims-made policy at your policy's percentages and compares it with nose (prior-acts) coverage from a new insurer. What business insurance do I need? Answer a few questions about your business and get a starting list of coverages, sorted into required, strongly recommended and worth considering.
Life Insurance
Buy-sell agreement funding calculator Shows how many life insurance policies a cross-purchase or entity-redemption buy-sell plan needs, and the face amount of each, for up to six owners. Key person insurance calculator Size key person life insurance four ways, from compensation, lost profit, replacement cost and loans, and see a range and a suggested amount with the reasoning.
Brokers and Carriers
Compare business insurers Filter business insurers by type and AM Best rating, then compare up to three side by side on size, ratings, contacts, distribution and who they suit. Find a business insurance broker Pick your state and industry to see how to check a broker's license, the large brokers that work nationally, and brokers and insurers that name your industry. Loss ratio and combined ratio calculator Works out an insurer's loss, LAE, expense, dividend and combined ratios and its operating ratio from the figures in its earnings reports.
Cyber Insurance
Risk Management
Deductible and retention break-even calculator Compares two deductible or retention options by expected annual cost, finds the claim frequency where they cost the same, and shows what a bad year would cost. Total cost of risk (TCOR) calculator Adds premiums, retained losses, fees, collateral, risk control and staff time into one annual cost of risk, and compares a current program with a proposed one.
Workers Comp and Casualty
Experience mod (EMR) calculator Recalculate an NCCI experience mod with the split-rating formula and see what each claim adds and costs over the three years it stays in your mod. OSHA incident rate calculator (TRIR and DART) Calculate TRIR, DART rate, lost-time case rate and severity rate from your OSHA 300 log and hours worked, and compare them with an industry rate. Workers' comp premium calculator Build a workers' comp premium step by step from payroll, class code rates, your experience mod, credits, discounts, fees and assessments.
Health and Benefits
Group health insurance cost and affordability calculator Totals what a group health plan costs you and your employees, then tests employee-only affordability against the ACA safe harbors for 2026 or 2027. QSEHRA and ICHRA allowance calculator Prices a QSEHRA against the 2026 IRS maximums and an ICHRA by employee class, then sets both beside the cost of a group health plan. Small business health care tax credit calculator Estimates the IRC 45R credit the way Form 8941 does: up to 50% of premiums (35% for tax-exempt employers), reduced by the FTE and average-wage phase-outs. State paid leave and disability contribution calculator 2026 employee and employer contributions, wage caps and program status for every state and D.C. with mandatory paid family leave or disability insurance.
Every tool runs in your browser. Nothing you type is sent to this site; a few checklists can save your progress in your own browser when you press Save.