Policies start at just $5 for one hour and one million dollars of insurance coverage. The per-hour cost decreases if you buy a longer policy or extend your policy. Costs change depending on which category of work you're going to do, the limit you choose, and whether you select any add-on activities. We use your business ZIP code / geo-location to map you to a risk territory, which in turn adjusts your price based on historical loss data. But, we'll always offer you a price from a single hour to a full month, with no annual commitments or contracts.