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How Much Does General Liability Insurance Cost?

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We recently surveyed 50,000 small businesses with fewer than 10 employees to determine how much they pay for general liability insurance. General liability insurance protects your business from a third party’s claims of property damage, and bodily injury and associated medical costs. The cost of general liability coverage can vary due to factors like the business’ size, location and industry, as well as the limits and deductibles that are selected. Based on the analysis, the typical cost for general liability insurance was approximately $30 per month.


Specifically, more than 80% of small businesses pay $30 per month or less for general liability coverage, while 95% pay $50 per month or less. Only 1% have a general liability insurance cost of over $100 per month.


Average Cost of General Liability Insurance


General Liability Insurance Cost by Profession


The type of business you are in plays a big role in determining how much you will pay for general liability insurance coverage, because different businesses have different levels of risk. For example, a technology consultant may spill coffee on a client’s server, resulting in a loss of data and interruption of the client’s business for which the consultant is liable. A salon owner may be sued by a client who slips and falls in the salon.


A consultant who does most of their work in their own office might pay an average $31 per month, while coverage for a real estate broker may average $39 per month, because they face different risks. Choosing a general liability policy that’s tailored to your business helps you get the coverage you need.


Average Cost of General Liability Insurance by Industry


General Liability Insurance Cost Examples

The location of your business plays a role in the cost of your coverage as well. If you do business in an area where the risk is greater, you may be able to manage your costs by adjusting your limits to reflect your actual need. In the example below, two companies have the same monthly payment, but they are different sizes, in different locations, and have different limits.



  IT/Technology consultant Business consultant
State San Francisco, CA Dallas, TX
Annual payroll $100,000 $200,000
Per occurrence limit $500,000 $1,000,000
Aggregate limit $2,000,000 $2,000,000
No deductible $0 $0
Monthly cost  $29.17/mo.  $29.17/mo.
Annual cost  $350.00  $350.00


Quotes will vary by business depending on the state, size of the business, and the limits/deductibles selected.


Competitive General Liability Cost


Here are some ways you can reduce the cost of your general liability insurance, making sure you’re getting the most competitive price.

  • Employ good risk management – We’ll reward you with lower rates if you have good risk management procedures in place.
  • Insure your home-based business – If you run your business out of your home, we offer an additional discount of up to 10%.
  • Purchase multiple products – If you buy more than one product from Hiscox, we offer a discount of up to 5%, in addition to any other discounts you may qualify for.


Get a fast, free quote from America’s #1 Online Business Insurer. Or, you can call us at 1-866-283-7545 and speak with a licensed agent, Mon-Fri, 8am-10pm ET.





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This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.

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General Liability Insurance

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