Roofers have it real bad. I got a quote the other day $16,000 for 1 mil. Problem is we often work on homes worth well over 1 mil so we need 2 mil coverage. That's just liability. I think WC is somewhere at 45% of payroll.
1 mil GL is about $500 for carpenters in IL, that's absed on a minimum fee however. The actual rate is based on your total yearly sales, so even for 1 mil coverage that premium can go way up if you are selling 4 mil a year.
Your trade is a big fator, your sales are another big factor.
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