$47 per month for me. I made sure I’m covered for my work (care and custody) and basic liability, the toughest thing for me to find coverage for was pressure washing but I got it. I use a local office in Johnson City, TN called Wideners. They set me up with Westfield insurance company. Of course this policy is 1million liability with no workers comp since I have no employees. Also, for a small one time fee, I can’t remember the exact term they use but I can add any company as a policy holder for companies who want to hire me as a subcontractor. They’ve been super easy to work with so far.