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    How Much Does Commercial Insurance Cost in Dallas?

    Here are real numbers from hundreds of Dallas programs.

    By Coverage

    General Liability

    $400-$1,200 for professional services. $1,500-$4,000 for retail/restaurants. $2,500-$8,000+ for contractors.

    Commercial Auto

    $1,200-$3,000 per vehicle. Fleets get fleet pricing. Driver records are the biggest variable.

    Property

    $750-$2,500 for small offices. $2,000-$5,000 for restaurants. $5,000-$15,000+ for warehouses. Wind/hail deductible is the hidden cost.

    Workers Comp

    Office $250K payroll: $1,500-$3,000. Construction $1M payroll: $15,000-$40,000.

    BOP

    $1,200-$6,000 for most small businesses.

    By Industry

    Contractors

    $500K revenue: $6,000-$12,000. $2M revenue: $20,000-$40,000+.

    Restaurants

    Small: $3,000-$7,000. Full-service $1M+: $8,000-$20,000.

    How to Lower Costs

    Bundle. Clean claims history. Safety programs. Shop the market annually with an independent agent.

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