Coverage limits guide

How to think about SMB insurance limits

This guide explains the common limit decisions behind general liability, workers' comp, umbrella, and specialty lines so you can interpret the estimator output more clearly.

General liability baseline

Many SMB contracts start at $1M / $2M for general liability, then move higher for site work, landlords, and procurement-heavy clients.

Workers' comp trigger

The main threshold is usually employees, not revenue. State modules should always be checked before treating workers' comp as optional.

Umbrella and excess

Umbrella is typically the next lever when the contract's liability limits exceed the common GL baseline.

Professional and cyber add-ons

Consulting, SaaS, and data-heavy operations often need E&O and cyber limits reviewed separately from general liability.

Employment and driver-use add-ons

Once you have employees or rely on personal/rental vehicles for work, EPLI and hired/non-owned auto can become separate planning lines.

Mobile tools and equipment

Contractor and field-service operations often need inland marine or equipment-floater review once tools, trailers, or install materials travel between sites.

Use the tool for your exact profile

Limits become meaningful only when they are paired with industry, payroll, operations, and jurisdiction assumptions. Use the browser estimator to convert these general rules into a profile-specific planning range.

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