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Letâs say you have $125 taken from each paycheck for health insurance. You get paid twice per month, so your portion of the monthly premiums is $250. Your employer contributes $300 per month toward your health insurance premiums, so the total cost of your job-based health plan is $550 per month. To figure the 2% service charge, multiply that $550 monthly premium by 0.02. Youâll get $11. Add this $11 service charge the $550 premium cost and your COBRA health insurance cost will be $561 per month.
Average Insurance Costs. The average cost of insurance for a small business depends on the size of the business and the nature of operations. The riskier and larger the operation, the more the business will pay.According to Trusted Choice Independent Insurance Agents, a sole proprietor can expect to pay around $500 annually for general liability insurance, while a small consulting business will most likely pay over $3,000 annually.he average cost for professional liability insurance, or errors and ommissions insurance, for small consulting businesses is around a few thousand dollars a year. Other People Are Reading.