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Insurance Cost Calculator

Estimate annual costs for selected general liability, commercial auto, and workers’ compensation policies, or enter whole-policy quotes.

Last updated: April 30, 2026

Illustrative solo example
$4,000+
Illustrative auto base
$2,500
Selectable coverages
3

Configure the model.

Adjust the operator variables, then read the live result panel.

$0$2,000,000
120
General Liability?
Commercial Auto?
Workers Comp?
Insurance Cost Calculator

Annual selected-policy estimate or entered quotes

Applied assumptions

  • Selected policies: GL $1,400.00 (illustrative); commercial auto $2,500.00 for the whole 1-truck fleet (illustrative).
  • Selected-state scenario: TX; annual revenue: $150,000.00. Solo owner: yes (guidance only; edit in advanced inputs). Unselected policies and their quotes are excluded.
  • Only selected GL, commercial auto and workers’ compensation are modeled. Other coverage, limits and eligibility need separate review.
$3,900.00/year
Monthly equivalent of selected policies$325.00/month
Selected general liability premium$1,400.00/year
Selected commercial auto premium for the whole fleet$2,500.00/year
Assumptions used (5)
  • Illustrative GL = ($800 + revenue × 0.4%) × 1.00 selected-state scenario factor.
  • Illustrative fleet auto = trucks × $2,500 × 1.00 selected-state scenario factor.
  • Scenario coefficients are not sourced underwriting rates or local quotes. Only selected GL, commercial auto, and WC are totaled; cargo, umbrella, bonds, pollution, inland marine, property, and other coverage are excluded.
  • State factors are separate illustrative GL/auto scenarios; WC uses its own payroll-rate scenario. Quotes replace the respective entire estimate rather than being added.
  • This tool does not determine legally required coverage, exclusions, classifications, insurer eligibility, limits, or deductibles.

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Using the calculator

About the Insurance Cost Calculator

What this calculator helps you decide

Select general liability, commercial auto, and workers’ compensation coverage for the scenario. The annual total and monthly equivalent include only selected policies; turning them all off gives a no-coverage total, not a free insurance quote.

Use the result as a budget scenario before seeking policy quotes.

Inputs to keep realistic

Enter a state scenario, annual revenue, truck count, and workers’ compensation premium payroll when that coverage is selected. The solo-owner choice affects guidance, not whether a selected premium is counted.

Replace a selected policy estimate with its actual annual quote when available. The commercial auto quote is for the whole fleet and is not multiplied by truck count.

How to use the result

Review the selected policy premiums beside the annual total. An unselected policy and any retained quote for it are excluded until you select that coverage again.

Compare the modeled scenario with actual insurer quotes, policy terms, limits, and deductibles.

Estimate limits and local checks

The calculator models only the three selectable policy types. Inland marine, umbrella, cargo, property, bonds, and other coverage are outside its total.

It does not establish required coverage, eligibility, classifications, limits, or a local premium.

“Built ScaleYourJunk after identifying that junk removal operators were stuck using generic field service tools that didn't match their workflows. Every calculator on this site uses real industry data and operator-validated assumptions.”

Jamal IqbalFounder, ScaleYourJunk

FAQ

Which policies are included?

Only the selected general liability, commercial auto, and workers’ compensation policies are totaled. Other coverage needs a separate quote.

What happens if I deselect every policy?

The total becomes $0 because no policy is selected. That does not mean insurance is free or coverage is unnecessary.

How do actual quotes work?

An entered annual quote replaces the corresponding selected policy estimate. The auto quote covers the whole fleet, so it is not multiplied by truck count.

Does the solo-owner choice remove workers’ compensation?

No. It changes guidance only. A selected workers’ compensation premium remains in the total; eligibility and obligations require separate review.

Resources

Related Resources

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Include insurance in the launch budget.

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Include workers comp before hiring.

Feature

CRM for Junk Removal

Keep customer, job, and business records organized.

Guide

How It Works

See how operators keep daily work connected.

Turn the estimate into operating data

Use the calculator for planning, then keep jobs, customers, invoices, payments, and reporting connected in ScaleYourJunk.

See the workflowExplore all calculators