InsuranceByTrade helps small-business owners, freelancers and tradespeople answer three questions fast:
- Which insurance does my kind of business actually need?
- What does it usually cost?
- What does my state require?
Most insurance websites exist to collect your phone number. We don't. We are an independent publisher, not an insurance company, agency or broker. We don't sell policies, give quotes or receive your personal details.
What you'll find here
- Guides for each profession, from hair stylists and DJs to general contractors and IT consultants, with the coverage that matters for that work.
- Coverage explainers for general liability, professional liability (E&O), workers' compensation, business owner's policies, commercial auto, cyber and more.
- State guides and a workers' comp requirements table for all 50 states and D.C.
- A free business insurance cost calculator based on published 2026 median premiums.
How we keep it accurate
Every cost figure is attributed to its source, and every legal requirement is checked against state agencies or reputable published research. We review our guides at least once a year and whenever laws change. Read how we research and our editorial policy.
Who we are
InsuranceByTrade is run by . Questions, corrections or partnership requests: email hello@insurancebytrade.com or use our contact page.
How we make money
The site is free to read. We may earn money from advertising and, in the future, from referral partnerships with insurance providers. This never changes what we recommend. See our advertising disclosure.