CoverMath is a set of free worksheets for the numbers behind insurance decisions. For a business, it puts published cost figures for your kind of work next to a quote you type, and adds up a yearly budget from the coverages you choose. For a person, it does the arithmetic on life insurance needs, term and whole life quotes, mortgage balances, homeowners and renters coverage, and umbrella exposure. Every published figure names its source and date, and where sources disagree the page shows both.
Everything here is an estimate from published data and from the numbers you enter. CoverMath does not sell insurance, does not refer you to insurers, does not collect leads and takes no fee from any insurer. Premiums depend on the insurer, your state, your claims history and underwriting, so get quotes from a licensed insurer or agent before you decide.
The certificates of insurance section is different: it does not estimate a price. It explains what a certificate of insurance shows and does not prove, and lets you check a certificate PDF against the requirements you type, without uploading the file.