Menlo Cost Calculator is a free browser tool for small-business insurance budgeting. Choose your industry, state, employee count, annual revenue and coverages to see illustrative monthly premium ranges based on published premium medians and clearly disclosed assumptions. Core calculations work without an account, payment card or contact details. You can compare the coverage selections and see how the reference costs vary across industries. This is deterministic educational software, not an AI model, a carrier quote, a confidence interval or a prediction of an insurer's price. Actual premiums may be different. The tool is provided by Menlo Insurance Services, a property and casualty agency serving California, Idaho and Texas. Optional insurance quote requests are a separate service, and any insurance policy has separate premiums.
