What do businesses like mine pay for insurance?
Pick your type of business and revenue to see a typical yearly cost range for small businesses in BC, Manitoba and Saskatchewan.
Typical yearly cost
$600 – $2,500
Usually includes: General liability and professional liability (E&O).
What moves your price the most
- Type of advice you give
- Client contract requirements
- Revenue
- Claims in the last 5 years
Want your actual price? Licensed brokers quote your business, not an average.
Compare quotes in 3 minutesThese are rough general ranges estimated by QuoteMatch, not insurer data and not a quote. Actual prices depend on your business, coverage, limits and claims history, and only a licensed broker can quote them. QuoteMatch doesn't give insurance advice.
Common questions
- How much does contractor insurance cost in BC?
- A small contractor's liability policy often starts around $1,000–$1,500 a year, but roofers, excavation companies and general contractors with subcontractors commonly pay several thousand dollars or more. Your trade, revenue, crew size and claims history matter most.
- Is this a quote?
- No. These are general ranges, not a price for your business. Only a licensed broker can quote after reviewing your details.
- Why do roofers and trucking companies pay more?
- Insurers price by how often and how badly claims happen. Work at heights, fire risk from torch-on roofing, and road accidents all lead to larger claims, and fewer insurers write those trades.
- How can I lower my business insurance cost?
- Keep a clean claims record, document safety practices, collect certificates from subcontractors, choose sensible deductibles, and compare several brokers at renewal. Prices for the same business can vary a lot between insurers.