Last updated: March 2026
How Much Does General Liability Insurance Cost?
Cost Breakdown by Type
| Type / Procedure | Without Insurance | With Insurance |
|---|---|---|
| Small Business (low risk, monthly) | $0 – $0 | $30 – $75 |
| Contractor/Construction (monthly) | $0 – $0 | $75 – $150 |
| Retail/Restaurant (monthly) | $0 – $0 | $50 – $125 |
What Affects the Cost
- Your age, location, and health status
- Coverage level and deductible chosen
- Provider or carrier
- Claims history
- Credit score (for some insurance types)
- Discounts available (bundling, loyalty, safe driver, etc.)
Insurance Coverage
Typical coverage: General liability insurance protects businesses from third-party claims of bodily injury, property damage, and advertising injury.
Insurance costs vary widely based on coverage level, location, age, and claims history. Shopping around and comparing quotes is the single most effective way to save money on insurance premiums.
How to Save Money
- Compare quotes from at least 3-5 providers
- Bundle policies (home + auto) for 10-25% discounts
- Choose higher deductibles for lower monthly premiums
- Ask about all available discounts
- Review coverage annually during open enrollment
- Consider employer-sponsored plans which subsidize 50-80% of premiums
Related Procedures & Costs
Frequently Asked Questions
General liability insurance costs $30 to $150 per month for most small businesses, or $400 to $1,800 per year. High-risk industries like construction pay more.
It covers third-party bodily injury, property damage, personal injury (libel, slander), advertising injury, and legal defense costs.
It is not legally required in most states, but many clients, landlords, and contracts require proof of general liability coverage to do business.