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If the office assistant earns $500 per week, the cost of insuring them is approximately $1.50 every week. The cost for Workers' Comp increases as the risks increase. So, if your client employs roofers or truck drivers, the cost might be $4 for every $100.
Average business insurance costs for E & O coverage for small firms is typically in the range of $1,000 to $3,000 annually per million dollars of coverage.There are many ways to package policies, get discounts, and reduce your business insurance costs. A sole proprietor might pay $500 per year for general liability insurance, but a small consulting firm is likely to pay over $3,000 per year. 2  A sole proprietor who hems garments out of a home office has limited liability concerns, but a landscaper may pay upwards of $15,000 annually due to increased risk.