Commercial Property Insurance Calculator

See what businesses like yours can expect to pay for coverage

Use NEXT’s tool to get a basic estimate of your commercial property insurance costs. If you like what you see, you can get a detailed quote tailored to your business.

Price calculator

Where is your business located?

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What is your industry?

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Coverage starting at


This is the minimum cost of commercial property coverage for your business type and location. To determine eligibility and a final price, start a detailed quote.

How to use our Commercial Property calculator

Our calculator uses our database and AI-driven underwriting technology to estimate how much you might pay for commercial property insurance.

How to use our calculator:

  1. Enter your location — Select the state where you do most of your work in the drop-down menu.
  2. Select the type of work you do — Select the industry that is the closest match to what your business does in the second drop-down menu.

After providing this information, you’ll see an estimate of your monthly commercial property insurance expenses based on what other similar businesses in your area pay.

To get a quote tailored to your specific business operations, click the “Start Detailed Quote” button. 

We’ll ask you to share a few more details about your business, including:

  • Number of employees
  • Your business name and location
  • The type of work you do
  • Your expected revenue

When you’re finished, you’ll get a detailed description of your commercial property insurance quote with policy limits. You can immediately purchase coverage.

We’ll also provide recommendations for other types of coverage that could be a good fit for your business, such as general liability or workers’ compensation insurance.

What businesses typically pay for Commercial Property insurance

Commercial property insurance can cost as little as $17 monthly for some low-risk businesses, but it’ll depend on your circumstances. About 56% of NEXT customers pay less than $25 monthly.**

Multiple factors determine how much you’ll actually pay for commercial property insurance, including:

  • How high you set your limits — If you want more coverage, you can select higher limits, which will almost always increase policy costs.
  • Your business operations — Low-risk businesses generally have lower insurance costs because they are less likely to have a serious insurance claim. Operations with higher property risks, such as restaurants, have higher premiums because there is more potential for an injury or property damage.
  • Your insurance claims history — Your claims history has an impact on your insurance fees.

Learn more about commercial property insurance costs.

How NEXT can help your business

NEXT is 100% dedicated to small businesses and it’s our mission to make protecting your business as simple and painless as possible.

Getting insurance through NEXT can be done entirely without talking to an agent. And if you do have questions, our licensed, U.S.-based insurance professionals are ready with the answers.

You can complete our application, see policy options, buy coverage and get your live certificate of insurance in less than 10 minutes.

Get your free instant quote today.

There’s a lot to love about NEXT

Business insurance in less than 10 minutes

Get insurance in less than 10 minutes and you can save up to 25% in discounts*

Tailored business insurance

Unique, flexible coverage with easy monthly payments

Get business insurance online

Do it all 100% online or talk to a licensed U.S.-based advisor

Let’s find the coverage you need for your business

Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.

General Liability insurance
General Liability

Protect yourself from accidents that cause physical injury or damaged property.

Professional Liability or Error and Omissions Insurance
Professional Liability/E&O

Shield yourself from lawsuits that claim your work errors caused financial losses.

Workers' Compensation Insurance
Workers’ Compensation

Cover medical bills and lost wages if your employees have an accident at work.

Commercial Auto Insurance
Commercial Auto

Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.

Tools & Equipment Insurance
Tools & Equipment

Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.

Commercial Property Insurance
Commercial Property

Keep your building, inventory and equipment protected from fire or water damage.

Business Owner’s Policy Insurance
Business Owner’s Policy

Combine general liability and commercial property into one policy to protect your business.

Take a look at some helpful blog posts
Why businesses need more than one business insurance policy

Why businesses need more than one business insurance policy

Commercial Property Insurance: How coverage protects your business

Commercial Property Insurance: How coverage protects your business

Is business insurance tax deductible?

Is business insurance tax deductible?

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
** The cost data presented here are based on NEXT active customers in the U.S. who purchased general liability insurance over the previous 12 months. These data should not be considered a substitute for obtaining a quote specific to your business. These data were updated in November 2022.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.