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How Much is General Liability Insurance: Cost & Quotes From $5

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Table of contents

1. A Quick Clarification Before We Start 2. How Much is Commercial General Liability Insurance?  2.1. How Much Does Commercial General Liability Insurance Cost for Computer Repair Shops and Technicians?  2.2. How Much Does General Liability Insurance Cost for a Small Business such as a Flight School? 2.3. How Much is General Liability Insurance for a Small Business like a Software Development Agency? 2.4. How Much is General Liability Insurance for Small Business Say an Amusement Arcade for Example?  2.4.1. What General Liability Insurance Covers for Amusement Arcades 2.5. How Much is a General Liability Insurance Policy for Water Park Business?  2.5.1. What General Liability Insurance Covers for Water Parks 2.6. How Much for General Liability Insurance on Amusement Parks? 2.7. How Much is General Liability Insurance for Theme Parks? 2.8. How Much Does General Liability Insurance Cost for a Playground Business?  2.9. What Does General Liability Covers for Playgrounds? 2.10. How Much Does a General Liability Insurance Cost for an Event Venue Business? 2.11. How Much is Liability Insurance for a Business such as an Antique Shop?  2.11.1. What Does Commercial General Liability Cover for an Antique Shop? 2.12. How Much is Liability Insurance for a Small Business Book Shop? 2.12.1. What Does Comprehensive General Liability for Bookshops Cover? 2.13. How Much Does Business Liability Insurance Cost for a Distillery ? 2.14. How Much for Business Liability Insurance of Photo Booths? 2.15. How Much for Liability Insurance for Small Business Brewery? 2.15.1. How Much is Liability Insurance for Small Business Microbrewery? 2.16. How Much Does Small Business Liability Insurance Cost for Ice Cream Shops, Vans, and Trucks? 2.17. How Much is Small Business Liability Insurance for Wineries? 2.17.1. How Much Does Liability Insurance Cost for Small Business, Say for Example, a Vineyard?  2.18. How Much Does Liability Insurance Cost for a Small Business Like a Butcher Shop for Example? 2.19. How Much is Commercial Liability Insurance for Food Delivery Businesses? 2.19.1. How Much Does a Liability Insurance Cost for Pizza Delivery Business? 2.20. How Much is Liability Coverage for Gardening Business? 2.20.1. What Does the General Liability Insurance for Gardening Business Cover? 2.21. How Much Does Liability Insurance Cost for Museums and Art Galleries? 2.21.1. What Does General Liability for Small Business Do for Art Galleries and Museums? 2.22. How Much Does Commercial Liability Insurance Cost for a Horse Boarding Facility? 2.22.1. How Much is Liability Insurance for Horse Farms and Horse Ranches? 2.23. How Much for Liability Insurance on Zoos? 2.23.1. What Does General Liability Insurance Cover for Zoos? 2.24. How Much is the Liability Insurance Rate for Juice Bars? 2.24.1. What Risks Does General Liability Cover for Juice Bars? 2.25. What is the Average Liability Insurance Cost for Fish Farms? 2.25.1. How Does General Liability Insurance Help Fish Farms? 2.26. How Much are the Average General Liability Insurance Prices for Poultry Farms? 2.26.1. What Does General Liability Insurance Do for Poultry Farms? 2.27. How Much is Company Insurance Provided That It’s a Dairy Farm Purchasing a General Liability Coverage? 2.28. How Much Does Farm Insurance Cost for Cattle Farms Covered by General Liability Policy? 2.29. What are the Average Liability Insurance Costs for Coworking Spaces ? 2.29.1. What Does Coworking Space General Liability Insurance Cover? 2.30. How Much are the Average Golf Course Business Liability Insurance Rates? 2.31. How Much Does General Liability Insurance Cost for Martial Arts School? 2.31.1. What Does 1 Million Dollar General Liability Insurance for Martial Arts School Cover? 2.32. How Much Does General Liability Insurance Cost for Small Business Such as Carting Companies? 2.32.1. What Does 1 Million Dollar General Liability Insurance Cover for Carting Companies? 2.33. How Much is the Average Cost for Liability Insurance for Hypnotherapy Clinics? 2.33.1. 2.33.2. What Does $100 000 Liability Insurance Cover for Hypnotherapy Clinics? 2.34. How Much is the Average Cost of Liability Insurance for Small Business Such as an Aromatherapy Clinic? 2.35. How Much is the Reflexology Business Liability Insurance Average Cost? 2.36. What is the Average Liability Insurance Costs for Small Business Such as a Bar, Pub, or Nightclub? 2.37. How Much is the Average Liability Insurance for Small Business Like Libraries? 2.38. What is the Cost of Commercial Liability Insurance for Beauty Salons? 2.39. How Much Does a 1 million dollar General Liability Insurance Coverage Cost for a Snow Plow Business? 2.40. How Much Does Business Insurance Cost for a Plumbing Company That Wants to Get a General Liability Insurance Policy? 2.41. What is the Average Business Insurance Cost for a Lawn Care Company Purchasing a General Liability Policy? 2.42. How Much Does $1 Million Liability Insurance Cost for Web Design and Developing Companies? 2.43. How Much is a 1 Million General Liability Insurance for a Security Dog Company? 2.44. How Much Does 1 Million Dollar General Liability Insurance Cost for Tattoo Shops? 2.45. How Much is $1 mm General Liability Insurance for Pool Businesses? 2.46. How Much is 1000000 General Liability Insurance for a Home Based Business? 2.47. How Much is 1 Million General Liability Insurance for Online Stores? 2.48. How Much is a Million Dollar Business Insurance Policy Offering General Liability Coverage for E-Commerce Businesses? 2.49. How Much is 1,000,000 dollar General Liability Insurance for Nail Salons? 2.50. How Much is the One Million Dollar General Liability Insurance for Tanning Salons? 2.51. How Much is Million Dollar General Liability Insurance for Bodywork Businesses? 2.52. How Much is a Million General Liability Coverage for Spa? 2.53. How Much It Cost for $1 Million Coffee Shop General Liability Insurance? 2.54. How Much is Insurance for a Grocery Store Getting a General Liability Policy? 2.55. How Much is Liability Insurance for Gas Stations? 2.56. How Much Insurance Cost for a Catering Business Buying a General Liability Policy? 2.57. How Much Does Insurance Cost for Hotels, Motels, and Resorts Getting a General Liability Policy? 2.58. How Much Does Insurance Cost for a Small Business Getting a General Liability Policy, Say for Example a B&B? 2.59. How Much Do You Pay for Insurance if You’re a Dump Truck Business Planning to Get a General Liability Policy? 2.60. How Much is Business Insurance Cost for Garage General Liability Policy? 2.61. How Much Business Insurance Cost for Warehouses Covered with General Liability Policy 2.62. How Much Does Small Business Insurance Cost if It Offers General Liability Policy to Auto Repair Shops? 2.63. How Much Does It Cost if a Pet Sitting Business Decides to Get General Liability Insurance? 2.64. How Much are Insurance Premiums for Garage Keeping General Liability Policy? 2.65. What is the Average Insurance Cost for a Filmmaking Business? 2.66. What is Cost of Insurance if the Customer Wants to Get General Liability Insurance for a Skid Steer Business? 2.67. How Much Should I Pay for Insurance If I’m a Heavy Equipment Business Purchasing a General Liability Coverage? 2.68. How Much Should Liability Insurance Cost for Construction Businesses? 2.68.1. How Much is a $2 Million General Liability for Construction Businesses? 2.68.2. How Much is 10 Million General Liability for Construction Businesses? 2.69. How Much Do Roofing Companies Pay for General Liability Insurance? 2.70. How Much Does Business Insurance Cost per Month for an Excavator Services Company Covered by General Liability Policy? 2.71. How Much is Small Business Insurance per Month if the Insured is a Dance Studio Covered by General Liability? 2.72. How Much is Insurance a Month if the Policyholder is a Laundry Business with a General Liability Coverage? 2.73. How Much is the Average Monthly Insurance Premium for Gyms? 2.74. How Much are the Business Insurance Rates for Tractor Service Businesses? 2.75. What is the Average Monthly Insurance Payment o f Car Wash Businesses? 2.76. How Much is Insurance per Month for Cleaning Businesses ? 2.77. How Much are General Liability Insurance Rates for Yoga Businesses? 2.78. How Much Does It Cost to Get a General Liability Policy for Janitorial Businesses? 2.79. How Does It Cost to Cover a Barber Shop with General Liability Policy? 2.80. How Much Does Your General Liability Insurance Cost if You’re Running a Bakery Business? 2.81. How Much Does the General Liability Insurance Cost Retail Businesses? 2.81.1. How Much is $2 Million General Liability for Retail Businesses? 2.82. How Much is General Liability Insurance for My Small Business That’s a Restaurant? 2.82.1. How Much is 2 Million Dollar Insurance Policy for Restaurants? 2.83. How Much is General Liability Insurance in General for Food Truck Businesses? 2.84. How Much is General Liability Insurance for an LLC? 2.84.1. 2.84.2. How Much is LLC Insurance for Multi-Member LLC Covered by a Commercial General Liability Policy? 2.84.3. How Much Does LLC Insurance Cost for Domestic LLC? 2.84.4. How Much is Liability Insurance for an LLC using a Series Business Model? 2.84.5. How Much are the Average Low Profit LLC Liability Insurance Rates? 2.84.6. What is the Average General Liability Insurance Cost for LLC with Restricted Distributions to Members? 2.85. How Much is General Liability Insurance for Real Estate Investors? 2.86. How Much Does General Liability Insurance Cost for a Sole Proprietor? 2.86.1. How Much Does 2 Million General Liability for Sole Proprietor Cost? 2.87. How Much is Car Rental Business Liability Insurance? 3. How  Much is General Liability Insurance for Other Businesses? 4. What Amount of General Liability Coverage Do Different Professionals Need and How Much Will Insurance Cost? 4.1. How Much Liability Insurance Do Contractors Need? 4.2. How Much Liability Insurance Should I Carry as a Chiropractor? 4.3. How Much General Liability Insurance Do I Need as an Engineer? 4.4. How Much Liability Insurance Do I Need as a Beauty Therapist? 4.5. How Much is a Basic General Liability Insurance for Pilots? 4.6. How Much Insurance Coverage Do I Need as an Interior Designer? 4.7. How Much Liability Coverage Do I Need if I’m an Independent Architect? 4.8. How Much Liability Insuran ce Should I Have if I’m Working as a Personal Chef?4.9. How Much Insurance Do Swim Teachers Need? 4.10. How Much Insurance Do You Need if You’re Working as an Independent App Developer? 4.11. How Much Does Guide Insurance Cost Considering that $1 Million General Liability is Availed? 5. How Much is General Liability Insurance for Other Professions? 6. General Liability Insurance Costs by State: Pricing in Florida, California, and Texas  6.1. General Liability Insurance California Cost 6.1.1. Dairy Farm General Liability Insurance Cost California 6.1.2. Production/Filmmaking General Liability Insurance California Cost 6.1.3. Cost of General Liability Insurance California Small Business Such as Restaurants 6.2. General Liability Insurance Florida Cost 6.3. General Liability Insurance Texas Cost 6.3.1. Retail Business Liability Insurance Texas Cost 6.3.2. Warehouse General Liability Insurance Texas Cost 6.3.3. General Liability Insurance for Professional Services Texas Cost 7. Cost of General Liability Insurance for Sports 8. Best Small Business General Liability Insurance: A Review of Recommended General Liability Insurance Companies 8.1. CoverWallet General Liability Insurance 8.1.1. Pros 8.1.2. Cons 8.2. 8.3. Thimble General Liability Insurance 8.3.1. 8.3.2. Pros 8.3.3. Cons 8.4. 8.5. Next General Liability Insurance 8.5.1. Pros 8.5.2. Cons 8.6. 8.7. Hiscox General Liability Insurance 8.7.1. Pros 8.7.2. Cons 8.8. 8.9. State Farm General Liability Insurance Small Business 8.9.1. Pros 8.9.2. Cons 8.10. 8.11. Nationwide General Liability Insurance 8.11.1. Pros 8.11.2. Cons 8.12. 8.13. Allstate General Liability Insurance Small Business 8.13.1. Pros 8.13.2. Cons 8.14. 8.15. Farmers General Liability Insurance 8.15.1. Pros 8.15.2. Cons 8.16. 8.17. A-1 General Liability Insurance 8.17.1. Pros 8.17.2. Cons 9. 10. How to Calculate Business Insurance Prices to Know How Much to Pay for General Liability Coverage? 10.1. Thimble Business Liability Insurance Cost Estimator 10.2. Next General Liability Insurance Estimator 11. Related Questions 11.1. Does General Liability Cover Slander, Libel, and Other Causes of Advertising Injuries? 11.2. What is a Monthly Premium? 11.3. How Often Do You Pay Insurance: Is an Insurance Premium Monthly or Yearly? 11.4. How Much is Liability Insurance for a 18 Year Old Business? 11.5. How Much Does Liability Insurance Cover? 11.6. How Much is a Certificate of General Liability Insurance? 12. 13. How to Get Cheap General Liability Insurance Small Business Rates?

Commercial general liability insurance or simply general liability insurance shields businesses and professionals from the costs of third-party personal injury or property damage claims. The price of general liability insurance varies. And so, it’s important to get an idea about how much you’ll pay when planning to get insured.


This guide will be a comprehensive review of the estimated insurance cost of general liability policy in different businesses, professions, states, and limits. Furthermore, you’ll also know the companies offering the cheapest and most comprehensive general liability insurance.

Also read: $1 Million Dollar Liability Insurance Cost & Quotes From $11

Also read: How Much is Workers Comp Insurance? Cost & Quotes From $11

A Quick Clarification Before We Start

General liability insurance is also called liability insurance or commercial liability insurance. This is an acceptable use of such terms. However, understand that liability and commercial liability insurance can also pertain to professional liability insurance, employer’s liability insurance, and other “liability' policies.



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How Much is Commercial General Liability Insurance? 

Different businesses and professions purchase general liability insurance coverage. As a result, the insurance policy rates aren’t uniform. In other words, the general liability rates are unique to each business or profession purchasing the coverage. 


One way to know about the average general liability insurance cost is to look  at the annual and monthly insurance premiums of businesses and professions. Let’s take a look at the general liability insurance cost for furniture stores, liquor stores, law enforcers, accountants, and more.


How Much Does Commercial General Liability Insurance Cost for Computer Repair Shops and Technicians? 

The general liability insurance cost for computer repair shops is $33 a month or $396 a year for a $1 million basic coverage. If optional policies are added, then computer repair shops will pay $45 a month or $540 a year for their general liability insurance policy. 

 

As for technicians, their general liability insurance coverage cost $25 a month or $300 a year for a $1 million amount payable.


So what does general liability cover for computer repair shops and technicians ? The policy provides money if:

  • Defective computers or inadequate repair job caused injuries or property damage to  third parties

  • A third party accuses the computer shop or computer technician of false advertising, libel, or slander

  • An accident happened in the premises of the computer shop and third parties got injured or had their property damaged


How Much Does General Liability Insurance Cost for a Small Business such as a Flight School?

Flight school general liability insurance for business cost $208  a month or $2,496 a year for a $1 million coverage. 


How Much is General Liability Insurance for a Small Business like a Software Development Agency?

Software development business general liability insurance cost is $43.16 a month or $518 a year for a $1 million coverage. > Software development agency general liability insurance cover the following:

  • Costs of copyright infringement lawsuits

  • Costs of false advertising lawsuits

  • Costs of personal injury and property damage claims


How Much is General Liability Insurance for Small Business Say an Amusement Arcade for Example? 

Amusement arcade general liability insurance for small business cost $46 a month or $550 a year for a $1 million coverage.


What General Liability Insurance Covers for Amusement Arcades

Through general liability insurance,  amusement arcades can shoulder the cost of:

  • Food poisoning claims third parties filed because the amusement arcade sold or allegedly sold spoiled food. 

  • Injuries and property damage to third parties caused by a fire breakout in the premises of the amusement arcade 

  • False advertising and copyright infringement lawsuits


How Much is a General Liability Insurance Policy for Water Park Business? 

Water park general liability insurance for business cost is $44 a month or $528 a year for a $1 million coverage amount.


What General Liability Insurance Covers for Water Parks

Waterpark general liability insurance small business coverage shoulders the cost of the following:

  • Injuries to third parties when the water park sells spoiled food or fails to follow proper food preparation resulting in food contamination

  • Injuries or property damage to third parties as caused by poorly maintained premises

  • False advertising

  • Copyright infringement


How Much for General Liability Insurance on Amusement Parks?

Amusement park general liability business insurance cost $128 a month or $1,536 a year for  a $1 million coverage. 


How Much is General Liability Insurance for Theme Parks?

The average cost for general liability insurance on theme parks is $115 a month or $1,380 a year. At this price, the policyholder can claim $1 million. 


How Much Does General Liability Insurance Cost for a Playground Business? 

The general liability insurance cost for playgrounds is $88 a month or $1,036 a year for a $1 million coverage. 

How about indoor playgrounds? Indoor playground comprehensive general liability insurance cost is cheaper. On average, policyholders pay $58  a month or $696 a year for a $1 million coverage. 


What Does General Liability Covers for Playgrounds?

If an accident happens and third parties file a claim to playgrounds , general liability business insurance can help pay for defense costs plus compensation for injuries such as lacerations,abrasions, fractures, sprain, concussions, and more. 


How Much Does a General Liability Insurance Cost for an Event Venue Business?

The general liability insurance rate of an event venue business is $250 a month or $3,000 a year for a $1 million coverage.


How Much is Liability Insurance for a Business such as an Antique Shop? 

Antique shop general liability insurance price is $38 a month or $456 a year for a $1 million coverage. 


What Does Commercial General Liability Cover for an Antique Shop?

General liability insurance business protection for antique shops covers claims from third parties as a result of:

  • Slipping or tripping, which then results in bruises, contusions, or lacerations

  • Mishandling hazardous objects and experiencing an illness later on

  • Getting hit or struck by a heavy antique display such as a cabinet, a jacket stand, or an upright mirror, which was placed improperly

  • The customer injures himself or herself while trying to figure out how a queer-looking antique display works

 

How Much is Liability Insurance for a Small Business Book Shop?

The average cost of general liability insurance for bookshops is $52 a month or $624 a year for a $1 million limit. 


What Does Comprehensive General Liability for Bookshops Cover?

General liability insurance business protection for bookshops covers the cost of:

  • Third party personal injury or property damage claims resulting from an accident that happened in the bookshop

  • Injuries or property damage caused by a defective book

  • False advertising, slander, libel, and copyright infringement


How Much Does Business Liability Insurance Cost for a Distillery ?

Distillery CGL insurance cost  $71 a month or $852 a year. At this price, the policyholder can claim $1 million from their business general liability insurance coverage. 


How Much for Business Liability Insurance of Photo Booths?

The average cost for general liability insurance for small business photo booths is $33 a month or $396 a year for a $1 million coverage. Examples of factors that affect the cost of photo booth general liability business insurance coverage are location and number of employees.


How Much for Liability Insurance for Small Business Brewery?

General liability insurance for businesses such as breweries is roughly $93 a month or $1,116 a year for a $1 million coverage. 


How Much is Liability Insurance for Small Business Microbrewery?

GL insurance cost for microbrewery is $67 a month or $800 a year for a $1 million policy limit.


How Much Does Small Business Liability Insurance Cost for Ice Cream Shops, Vans, and Trucks?

Ice cream general liability insurance for small business cost truck, vans, and shops $33 a month or $396 a year for a $1 million policy limit. 


How Much is Small Business Liability Insurance for Wineries?

Winery general liability insurance cost for small business purposes is $119 a month or $1,428 a year for a $1 million coverage. 


How Much Does Liability Insurance Cost for Small Business, Say for Example, a Vineyard? 

The cost of liability insurance for small business such as a vineyard is $110 a month or $1,320 a year for a $1 million general liability insurance. 


How Much Does Liability Insurance Cost for a Small Business Like a Butcher Shop for Example?

Butchery small business liability insurance cost is $41 a month or $492 a year for a $1 million general liability insurance. Factors that affect the average cost of liability insurance for butcher shops are business size and history. 


How Much is Commercial Liability Insurance for Food Delivery Businesses?

Food delivery small business general liability insurance cost $40 a month or $480 a year for a $1 million coverage. Factors that affect the cost of premiums are location and deductibles. 


How Much Does a Liability Insurance Cost for Pizza Delivery Business?

Small business general liability cost pizza delivery businesses $50 a month or $600 a year. At this cost of premiums, the policyholder enjoys a $1 million coverage for third party injuries and property damage. 


How Much is Liability Coverage for Gardening Business?

General liability small business cost for gardening businesses is $48 a month or $567 a year for a $1 million coverage. 


What Does the General Liability Insurance for Gardening Business Cover?

Small business general liability insurance for gardening businesses covers the cost of these incidents:

  • If the gardening business damages the clients property while working

  • If the gardening business injures the client or any other person related to the client while working

  • If the gardening business provided an output that was lower in quality than what was advertised


How Much Does Liability Insurance Cost for Museums and Art Galleries?

The average liability insurance coverage cost for museums and art galleries is $55 a month or $660 a year for a $1 million coverage. Factors that affect cost are location and risk management or security measures. 


What Does General Liability for Small Business Do for Art Galleries and Museums?

A $1000000 liability insurance for art galleries and museums will shoulder cost if any of these situations happen:

  • Someone suffered from an allergic reaction after touching a display in the art gallery or museum

  • Someone became sick after eating the food served by the art gallery or museum

  • An accident happened in the premises of the art gallery museum and injured someone or damaged someone’s property

  • The museum or art gallery is accused of copyright infringement, false advertising, breach of contract, etc. 


How Much Does Commercial Liability Insurance Cost for a Horse Boarding Facility?

Commercial general liability insurance cost horse boarding facilities $30 a month or $360 a year for a $1 million coverage. Nonetheless, the most comprehensive coverage costs $60 a month or $720 a year. 


How Much is Liability Insurance for Horse Farms and Horse Ranches?

The average liability insurance cost for horse farms is $83 a month or $996 a year for a $1 million coverage. On the other hand,  horse ranches pay a general liability insurance price amounting to $79 a month or $948 a year for a $1 million coverage. Factors that affect cost are location, business history, and more. 


How Much for Liability Insurance on Zoos?

Zoo commercial liability insurance cost $45.42 a month or $545 a year for a $1 million coverage. Primary factors that affect cost are location, risk management measures, revenue, types of animals in captivity, and number of guests.


What Does General Liability Insurance Cover for Zoos?

With a $1 million or $2 million liability insurance policy, zoos can easily take care of costs when:

  • A guests commits a mistake and gets hurt by an animal in the cage

  • An animal escapes and hurts guests while it’s out

  • A guest becomes sick after eating the snacks the zoo is selling

  • The zoo committed or allegedly committed false advertising and copyright infringement


How Much is the Liability Insurance Rate for Juice Bars?

Commercial general liability insurance cost juice bars $53 a month or $636 a year for a $1 million coverage. Business size and type of juice bar business (mobile or brick-and-mortar) are some factors that affect insurance premiums. 


What Risks Does General Liability Cover for Juice Bars?

Juice bar general liability insurance 1 million dollar worth of coverage accounts for risks such as:

  • Client injuries caused by the serving of spoiled or contaminated drinks and food

  • Accidents such as slip and falls happening in the premises of the juice bar

  • Copyright infringement and false advertising


What is the Average Liability Insurance Cost for Fish Farms?

The cost of commercial general liability insurance for fish farms is $38 a month or $456 a year for a $1 million coverage. 


How Does General Liability Insurance Help Fish Farms?

Risks common in fish farms that a 1 million liability insurance can cover are:

  • Claims filed because the fish farm delivered a fish to a client that was different from what was promised

  • Libel and copyright infringement

  • Slip and fall accidents in the premises in the fish farm involving third parties


How Much are the Average General Liability Insurance Prices for Poultry Farms?

General liability cost poultry farms $80 a month or $960 a year for a $1 million coverage. Factors that affect premiums are the numbers of livestock and number for poultry houses. 


What Does General Liability Insurance Do for Poultry Farms?

A million dollar insurance policy for business such as poultry farms offering a general liability coverage will be extremely helpful when:

  • Contaminated chicken meat were sold to clients causing sickness to third parties

  • Failure to properly maintain poultry farm resulting in the spillage of waste products causing sickness and property damage to third parties


How Much is Company Insurance Provided That It’s a Dairy Farm Purchasing a General Liability Coverage?

Company insurance cost big dairy farms 193.33 a month. If paid annually, then dairy farm company liability insurance cost is $2,332. Both commercial insurance rates assume that coverage is only provided by a $1 million general liability policy. 


How Much Does Farm Insurance Cost for Cattle Farms Covered by General Liability Policy?

The average cost of farm insurance for cattle farms is $150.42 a month. If the policyholder decides to pay premiums for the entire year, then cattle farm liability insurance cost is $1,805.04. 


What are the Average Liability Insurance Costs for Coworking Spaces ?

Coworking space general liability insurance small business cost is $40 a month or $475 a year for a $1 million coverage. 


What Does Coworking Space General Liability Insurance Cover?

Coworking space general liability insurance 1 million coverage covers costs associated with these situations:

  • The coworking space is poorly maintained. An employee working for one of the companies renting got injured after tripping in an unfixed floor crevice.  The employee is now filing a claim for personal injuries and suffering

  • The coworking space looks very different from what was expected. And so, clients filed a claim for false advertisement


How Much are the Average Golf Course Business Liability Insurance Rates?

On average, general business liability insurance cost for golf courses is $273 a month or $3,276 a year for a $1 million coverage. 


For a more specific insight, know that big golf courses pay $500 a month or $6,000 a year. On the other hand, mini-golf courses pay $33 a month or $396 a year for a $1 million general liability insurance. 


How Much Does General Liability Insurance Cost for Martial Arts School?

The cost for liability insurance for small business, like martial art schools for example, is $295 a month or $3,538 a year for a $1 million coverage. 


What Does 1 Million Dollar General Liability Insurance for Martial Arts School Cover?

1 million dollar liability insurance for martial arts schools covers cost if any of these happens:

  • A student files a claim against the martial arts school after getting injured in a sparring session

  • Training equipment injures a student using them

  • The martial arts school faces a claim for false advertising, slander, libel, and breach of contract


How Much Does General Liability Insurance Cost for Small Business Such as Carting Companies?

Carting companies pay a general liability insurance average cost of $89 a month or $1,060 a year for a $1 million coverage. The primary factor that affects premiums is the type or tier of service carting companies provide. 


What Does 1 Million Dollar General Liability Insurance Cover for Carting Companies?

A 1 million dollar liability insurance will help carting companies compensate third parties when:

  • A garbage bin isn’t emptied completely and a homeowner gets their hand cut by a broken glass

  • The carting company failed to contain garbage property during transport and caused injuries or property damage to third parties


How Much is the Average Cost for Liability Insurance for Hypnotherapy Clinics?

General liability insurance small business cost hypnotherapy clinics $30 a month or $360 a year for a $1 million coverage. Some of the factors that affect cost are claims history, revenue, and business size. 


What Does $100 000 Liability Insurance Cover for Hypnotherapy Clinics?

$100000 liability insurance for hypnotherapy clinics will cover the cost of:

  • Slip and fall accidents that happened in the premises of the hypnotherapy clinic

  • False advertising,copyright infringement, and libel

  • Claims for bodily injuries such as headache, drowsiness, and other severe side effects resulting from hypnotherapy


How Much is the Average Cost of Liability Insurance for Small Business Such as an Aromatherapy Clinic?

The average cost of general liability insurance for small business such as an aromatherapy clinic is $33 a month or $396 a year for a $1 million coverage.

 

How Much is the Reflexology Business Liability Insurance Average Cost?


The average liability insurance rates for small business like reflexology clinics for example is $16 a month or $192 a year for a $1 million coverage.  


What is the Average Liability Insurance Costs for Small Business Such as a Bar, Pub, or Nightclub?

Bar general liability insurance business cost is $180 a month or $1,160 a year for a $1 million coverage. 


The average cost of general liability insurance for small business such as a pub is $165 a month or $1,980 a year for a $1 million coverage. 


Tavern small business liability insurance costs $155 a month or $1,860 a year for a $1 million coverage. 


Nightclub small business liability insurance rates average $160 a month or 1,920 a year for a $1 million coverage. 


How Much is the Average Liability Insurance for Small Business Like Libraries?

Library general liability insurance for small business average cost is $30 a month or $360 a year for a $1 million coverage. 


What is the Cost of Commercial Liability Insurance for Beauty Salons?

The average liability insurance cost for small business such as a beauty salon is $32 a month or $384 a year for a $1 million coverage. 


Furthermore, the average cost of commercial general liability insurance policy for all types of beauty business is $30 a month or $360 a year. 


How Much Does a 1 million dollar General Liability Insurance Coverage Cost for a Snow Plow Business?

General commercial liability insurance cost for a snow plow business is $60 a month or $720 a year for a $1 million coverage. 


How Much Does Business Insurance Cost for a Plumbing Company That Wants to Get a General Liability Insurance Policy?

1 million dollar liability insurance cost plumbing companies $119 a month or $1,428 a year. 


What is the Average Business Insurance Cost for a Lawn Care Company Purchasing a General Liability Policy?

Lawn care companies getting a general liability insurance will pay a business liability insurance cost amounting to $48 a month or $576 a year. 


How Much Does $1 Million Liability Insurance Cost for Web Design and Developing Companies?

A 1 million dollar liability insurance cost web design companies $30 a  month or $360 a year. On the other hand, 1 million liability insurance cost web developers $25 a month or $300 a year.


How Much is a 1 Million General Liability Insurance for a Security Dog Company?

A 1 million dollar liability insurance policy cost security dog companies $35 a month or $420 a year.


How Much Does 1 Million Dollar General Liability Insurance Cost for Tattoo Shops?

Insurance companies usually charge tattoo shops $35.92 a month or $431.04 a year for a $1 million general liability coverage. 


How Much is $1 mm General Liability Insurance for Pool Businesses?

For pool businesses , a 1 million dollar business insurance policy of general liability costs $38 a month or $456 a year. 


How Much is 1000000 General Liability Insurance for a Home Based Business?

The cost of 1 million dollar insurance policy business general liability coverage for home based businesses is $19 a month or $228  a year. 


How Much is 1 Million General Liability Insurance for Online Stores?

A million dollar business insurance offering general liability coverage to online stores is $56.25  a month or $675 a year.  


How Much is a Million Dollar Business Insurance Policy Offering General Liability Coverage for E-Commerce Businesses?

$1 million insurance policy offering general liability coverage to e-commerce businesses costs $33 a month or $396 a year. 


How Much is 1,000,000 dollar General Liability Insurance for Nail Salons?

The cost of $1.million general liability insurance for nail salons is $43 a month. If paid annually, then 1 million dollar business insurance policy offering general liability is $516 a year.  


How Much is the One Million Dollar General Liability Insurance for Tanning Salons?

General liability insurance rates for tanning salons average $46 a month or $552 a year for a $1 million coverage.


How Much is Million Dollar General Liability Insurance for Bodywork Businesses?

The cost of 1 million dollar general liability insurance for bodywork businesses is $35 a  month or $420 a year. 


How Much is a Million General Liability Coverage for Spa?

General liability insurance rates for spas getting a $1 million coverage average $42.5 a month or $510 a year. 


How Much It Cost for $1 Million Coffee Shop General Liability Insurance?

Coffee shops getting a 1 million coverage pay a general liability insurance cost per month of $38. If paid yearly, then the estimated insurance costs amount to $456. 


How Much is Insurance for a Grocery Store Getting a General Liability Policy?

The average cost of business insurance for a grocery store getting a $1 million general liability policy is $41 a month or $492 a year. Factors that affect general liability insurance prices are business size, revenue, number of employees, and business history. 


How Much is Liability Insurance for Gas Stations?

Gas station business insurance monthly cost is $117 for a $1 million general liability insurance policy. If paid yearly, then insurance policy fees amount to $1,404. 


How Much Insurance Cost for a Catering Business Buying a General Liability Policy?

The monthly insurance premiums of catering businesses is $47. If payments are made annually, then the general insurance rates are $564. 


How Much Does Insurance Cost for Hotels, Motels, and Resorts Getting a General Liability Policy?

The average business insurance costs for hotel, motel, and resort general liability policy are roughly $84 a month or $1,008 a year for a $1 million coverage. 


How Much Does Insurance Cost for a Small Business Getting a General Liability Policy, Say for Example a B&B?

Bed and breakfast business insurance average cost is $46 a month or $552 a year provided that only a $1 million general liability policy is included. 


How Much Do You Pay for Insurance if You’re a Dump Truck Business Planning to Get a General Liability Policy?

Factors that affect the cost of general liability policy for dump trucks are claims history, business history, number of units to be insured, and age of units to be insured. So how much does insurance cost per month? The average insurance cost for small business providing dump truck services is $438 a month or $5,256 a year. 


How Much is Business Insurance Cost for Garage General Liability Policy?

The average insurance cost for a small business making money through garage services is $113 a month or $1,356 a year for a $1 million general liability coverage. 


How Much Business Insurance Cost for Warehouses Covered with General Liability Policy

The average insurance cost per month of warehouses having general liability coverage is $93. If paid yearly, then the cost of premiums is $1,116 a year. 


How Much Does Small Business Insurance Cost if It Offers General Liability Policy to Auto Repair Shops?

The average cost for insurance for small business, say for example an auto repair shop , is $107 a month or $1,284 a year. This pricing assumes that the policyholder only purchased a $1 million general liability coverage. 


How Much Does It Cost if a Pet Sitting Business Decides to Get General Liability Insurance?

The average cost of insurance per month for pet sitting businesses having a $1 million general liability policy is $26. Premiums can be also paid yearly and the cost will be $312. 


How Much are Insurance Premiums for Garage Keeping General Liability Policy?

Garage keeping general liability insurance average cost per month is $96. If paid annually, the cost for insurance is roughly $1,152. 


What is the Average Insurance Cost for a Filmmaking Business?

The average monthly insurance costs for a filmmaking business is $30. If premiums are paid yearly, then the cost is $360. Both of the figures assume that the policyholder only wants to get $1 million general liability coverage. 


What is Cost of Insurance if the Customer Wants to Get General Liability Insurance for a Skid Steer Business?

If the one who wants to get $1 million general liability insurance is a skid steer business , then the cost of insurance per month is $67. Alternatively, the cost of annual premiums is $804. 


How Much Should I Pay for Insurance If I’m a Heavy Equipment Business Purchasing a General Liability Coverage?

Heavy equipment general liability insurance monthly cost is $256. It’s also possible to pay yearly and the cost for premiums will be $3,075

How Much Should Liability Insurance Cost for Construction Businesses?

The cost of general liability insurance for construction is $98. Some construction companies like to pay yearly. In this case, general liability insurance construction pricing is $1,176. 


How Much is a $2 Million General Liability for Construction Businesses?

$2 million liability insurance cost construction businesses $130 a month or $1,560 a year. 


How Much is 10 Million General Liability for Construction Businesses?

$10 million liability insurance cost construction businesses $325 a month or $3,900 a year. 


How Much Do Roofing Companies Pay for General Liability Insurance?

The average insurance costs per month of roofing company general liability insurance having $1 million coverage is $292. Annual insurance cost, on the other hand, is $3,504. 


How Much Does Business Insurance Cost per Month for an Excavator Services Company Covered by General Liability Policy?

Excavator service general liability insurance cost per month is $83. If paid annually, then the average insurance cost is $996. Factors such as business size, claim history, and revenue determine pricing. 


How Much is Small Business Insurance per Month if the Insured is a Dance Studio Covered by General Liability?

General liability insurance pricing for dance studios depends on factors such as business size, number of employees, and number of clients. Dance studios pay a monthly cost of insurance amounting to $38. Those who pay yearly spend $456. Note that it’s possible for dance studios to get 2mm dollars general liability coverage at the same price. 


How Much is Insurance a Month if the Policyholder is a Laundry Business with a General Liability Coverage?

The average monthly cost of insurance for laundry businesses with $1 million general liability coverage is $46. Premiums can be paid annually, and those who do this spend $552.


How Much is the Average Monthly Insurance Premium for Gyms?

The average monthly insurance cost for gyms covered with general liability insurance is $55. Yearly premium, on the other hand, is $660. 


How Much are the Business Insurance Rates for Tractor Service Businesses?

The cost of 1-year general liability coverage for tractors is $650. This figure translates to an insurance per month cost of $54.16. 


What is the Average Monthly Insurance Payment o f Car Wash Businesses?

For their general liability coverage, car wash businesses shoulder a monthly insurance premium of $60. If paid annually, then the cost for insurance is $720. 


How Much is Insurance per Month for Cleaning Businesses ?

The monthly median cost of general liability insurance for c leaning businesses is $42 a month. This figure translates to an annual premium of $504 for a $1 million coverage. Some carriers offer a custom 100 000 insurance policy of general liability  and only ask $16 a month or $192 a year. 


How Much are General Liability Insurance Rates for Yoga Businesses?

The estimated insurance cost for yoga studios covered by $1 million general liability insurance is $46 a month or $552 a year.  In the case of online yoga studios, the general estimate of insurance rate  is $13 a month or $156 a year. 


How Much Does It Cost to Get a General Liability Policy for Janitorial Businesses?

Janitorial services pay for low cost general liability insurance. Most pay a median premium of $42 a month or $504 a year for a $1 million coverage. 


How Does It Cost to Cover a Barber Shop with General Liability Policy?

General liability insurance prices for barber shops average $30 a month or $360 a year for a $1 million coverage. 


How Much Does Your General Liability Insurance Cost if You’re Running a Bakery Business?

Commercial bakeries pay $35 a month or $420 a year. General liability limits at this price amounts to $1 million in coverage. 


Home based bakeries, on the other hand, pay $25 a month or $300 a year for a $1 million general liability policy. 


How much liability insurance for small business like bakery should be carried? Experts recommend the purchasing of a $1 million or $2 million general liability for comprehensive protection. 


How Much Does the General Liability Insurance Cost Retail Businesses?

Retail businesses pay $41.66 a month or $500 a year. At this pricing, the policyholder enjoys general liability limits amounting to $1 million to $2 million. But note that it’s also possible that an insured pays a monthly premium of $100 if their retail business is big. 


How Much is $2 Million General Liability for Retail Businesses?

Retail businesses pay $54 a month or $648 a year for a $2 million dollar commercial liability insurance policy specifically, a general liability policy. 


How Much is General Liability Insurance for My Small Business That’s a Restaurant?

Restaurants pay $68 a month or $816 a year. In such pricing, the general liability insurance general aggregate limit is $1 million. Note that some restaurant insurance carriers offer $2 mm general liability at the same price. 


How Much is 2 Million Dollar Insurance Policy for Restaurants?

Restaurants pay $80 a month or $960 a year should they decide to get a 2 million dollar insurance policy offering general liability coverage. 


How Much is General Liability Insurance in General for Food Truck Businesses?

In general, general liability policy cost f ood truck businesses $42 a month or $504 a year for a $1 million coverage. 


How Much is General Liability Insurance for an LLC?

Liability insurance for llc cost $47.4 a month or $568.8 a year. Further insights of pricing is possible if we look into how much different types of LLC pay for their general liability insurance coverages. > LLCs can be classified into:

  • Multi-member LLC

  • Domestic LLC

  • Series LLC

  • Low profit LLC

  • Restricted LLC


How Much is LLC Insurance for Multi-Member LLC Covered by a Commercial General Liability Policy?

The cost of liability insurance for llc with multiple members is $50 a month or $600 a year. At such pricing, the multi-member LLC enjoys a $1 million general liability coverage. 


How Much Does LLC Insurance Cost for Domestic LLC?

The cost of liability insurance for llc operating in the location where it was formed is $40 a month or $480 a year. 


How Much is Liability Insurance for an LLC using a Series Business Model?

Series llc liability insurance cost is $60 a month or $720 a year. At such policy rates, the series LLC enjoys a $1 million general liability coverage. 


How Much are the Average Low Profit LLC Liability Insurance Rates?

Liability insurance for llc costs $35 a month or $420 a year. With such premium rates, the low profit LLC benefits from a $1 million general liability coverage. 


What is the Average General Liability Insurance Cost for LLC with Restricted Distributions to Members?

For a $1 million general liability coverage, restricted llc insurance costs $52 a month. If paid annually, then the cost of business insurance for llc with restricted distributions to members is $624.  


How Much is General Liability Insurance for Real Estate Investors?

Commercial real estate insurance rates average $46 a month or $552 a year, provided that the real estate investor only decides to get insured with a general liability policy.

 

How Much Does General Liability Insurance Cost for a Sole Proprietor?

Sole proprietors pay $39.58 a  month or $475 a year. This general liability insurance estimate of cost assumes that the policyholder has $1 million in coverage. 


How Much Does 2 Million General Liability for Sole Proprietor Cost?

A $2 million dollar business insurance policy offering general liability coverage only to a sole proprietor is $56 a month or $672 a year. 


How Much is Car Rental Business Liability Insurance?

Car rental small business liability insurance is $50 a month. If paid annually, car rental general liability insurance for small business cost $600.


How  Much is General Liability Insurance for Other Businesses?

If your business is not mentioned in the above sections, take a look at this table that summarizes the cost of general liability insurance cost per million of coverage for different businesses. 


Cost per Month Cost per Year
Car Hauling (cost depends if the company uses 1 car hauler, 2 car hauler, and so on) $810 - $1,156 $9,720 - $13,872
Vending Machine $62.5 $750
Flatbed Trailer $191.66 $2,300
Cargo Van $275 $3,300
Dump Trailer $140 $1,680
Food Cart $45 $540
Limousine $200 $2,400
Food Trailer $47.8 $574
Car Dealership $36 $432
Corporations $53 $636
Equipment Rental $41 $492
Box Truck $25 $300
Moving Company $104 $1,248
Bounce House $41.66 $499.92
Bulldozer $85 $1,020
Forklift $256 $3,072
Concession Stand and Trailer $87 $1,044
Liquor Store $84.67 $1,016.04
Furniture Store $59.6 $715.2
Gift Shop $83.33 $999.96
Jewellery Business $69.66 $835.92
Flower Shop $72.33 $867.96
T axi Business $78 $936

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What Amount of General Liability Coverage Do Different Professionals Need and How Much Will Insurance Cost?

General liability insurance is not only for businesses. Professionals can also insure themselves if they’re working independently or want to insure themselves regardless the employer already provides coverage. 


The best way to look into the cost of general liability insurance for different professions is to look at the insurance amount availed. Note that high-risk professions are recommended to get $2 million general liability insurance whereas low risk professions will do fine with $1 million coverage. 


How Much Liability Insurance Do Contractors Need?

The recommended commercial general liability insurance limits for contractors vary as the contract dictates the amount of coverage required. For example, a client might only request the contractor to get $1 million general liability whereas another client might request coverage amounting to $2 million or more. 


While many say that a contractor has at most $42 to pay every month for a $1 million coverage, our research revealed that premiums are actually lower. Some contractors pay as little as $21 a month or $252 a year. 


$1 million coverage might not be enough and so some contractors decide to get $2 million coverage. So how much is 2 million dollar general liability policy for contractors? For a $2 million general liability policy, contractors pay $85 a month or $1,020 a year. 


While $2 million general liability insurance business coverage is already good, some clients, as we said earlier, might require a $3 million coverage either because the project is very risky or they just want to work with contractors having comprehensive protection. Now let’s take a look at how much is 3 million dollar contractors’ general liability insurance. On average, the cost of the policy is $168 a month or $1,016 a year. 


How Much Liability Insurance Should I Carry as a Chiropractor?

Chiropractic services are very risky. And so,  most chiropractic professionals don’t settle with a $1 million general liability coverage. Insurance companies cover chiropractors with $500,000  - $5 million general liability insurance.


Student chiropractors on OJT get general liability insurance amounting to $500,000. So how much is $500,000 general liability coverage? The price of the policy is $28 a month or $336 a year.

 

Chiropractors who decide to get $1 million general liability insurance pay average monthly insurance payments of  $52 or $624 a year. 


There are those who decide to get $2 million coverage. So how much does 2 million dollar general liability cost?  At such a policy limit, chiropractors pay  $74 a month or $888 a year. 


High-profile chiropractors decide to get $4 million coverage. And how much is 4 million general liability for chiropractors you ask? On average, the policy costs $186 a month or $2,232 a year. 


$5 million general liability might be an overkill. But note that few chiropractors decide to get this coverage even if it’s costly. So how much is 5 million general liability? Chiropractors pay $243 a month or $2,916 a year. 


How Much General Liability Insurance Do I Need as an Engineer?

Engineers pay $38 a month or $456 a year for a $1 million general liability coverage. 


How Much Liability Insurance Do I Need as a Beauty Therapist?

Beauty therapists are recommended to get $1 million general liability insurance. The average cost of premiums is $27 a month or $324 a year. 


How Much is a Basic General Liability Insurance for Pilots?

Pilots need a $1 million general liability insurance to cover risks. On average, the cost of premiums is $82 a month or $984 a year 


How Much Insurance Coverage Do I Need as an Interior Designer?

Interior designers need at least $1 million general liability coverage. The price paid for the policy at such a limit is $39 a month or $468 a year. 


How Much Liability Coverage Do I Need if I’m an Independent Architect?

$1 million general liability coverage is already enough to cover risks. The cost of insurance for architects is $48 a month or $576 a year. 


How Much Liability Insuran ce Should I Have if I’m Working as a Personal Chef?

Most clients will require $1 million or $2 million general liability coverage. > Personal chefs pay $76 a month or $912 a year for their $1 million general liability. On the other hand, the cost of $2 million general liability is  $125 a month or $1,500 a year. 


How Much Insurance Do Swim Teachers Need?

Most swim teachers get a $1 million general liability insurance and pay $25 a month or $300 a year. 


How Much Insurance Do You Need if You’re Working as an Independent App Developer?

App developers pay $30 a month or $360 a per year for a $1 million general liability coverage. 


How Much Does Guide Insurance Cost Considering that $1 Million General Liability is Availed?

For a general liability amount of $1 million or $2 million, guides pay $52 a month or $624 a year for coverage. 


How Much is General Liability Insurance for Other Professions?

Here’s a table that further summarizes the cost of general liability insurance for professions not mentioned above:


Cost per Month Cost per Year
Graphic Designers $33  $396
Massage Therapist $42
$504 
Physical Therapist $52 $624
Alternative Therapists $40 $480
Acupuncturists $62 $744
Bartenders $43 $516
Plumbers $119  $1,428
Security Guard $67 $804
Real Estate Agent $30 $360
Electrician $50 $600 
Small Artisan $39 $468
Farmers Market Vendor $35  $420
Crafter $47 $564
Candle Maker $64 $768
Soap Maker $39 $468
House Cleaner $37  $444
Dog Walker $33 $396
Bookkeeper $45  $540
CPA $141 $1,692
Amazon Seller $41 $492
EMT $37 $444
Firefighter $126 $1,512
Law Enforcer $59.60 $715.2
Pharmacist $69.50 $834
DJ $20 $240


General Liability Insurance Costs by State: Pricing in Florida, California, and Texas 

General Liability Insurance California Cost

On average, business liability insurance California cost is $170 a month or $2,040 a year across businesses of different types and sizes for a $1 million coverage. For further insights, let’s discuss how much the top businesses in California pay for their general liability policy. 


Dairy Farm General Liability Insurance Cost California

Milk is one of California’s biggest businesses, making at least $6.07 billion in cash receipts according to the latest data in 2016. In California, dairy farms pay $150 a month or $1,800 a year for a $1 million general liability coverage. 


Production/Filmmaking General Liability Insurance California Cost

Filmmaking is the second largest industry in California, and it contributed $21.9 billion to the state’s economy. Filmmaking general liability insurance ca cost is $102 a month or $1,224 a year for $1 million coverage. 


Cost of General Liability Insurance California Small Business Such as Restaurants

Despite being hit hard by the pandemic, restaurants still continue to be the top small business in California. On average, small restaurants in California pay as little as $22 a month or $264 a year for a $1 million general liability coverage. 


General Liability Insurance Florida Cost

The median cost of general liability insurance, considering all types of business and business sizes, is $180 a month or $1,800 a year for a $1 million coverage. 


General Liability Insurance Texas Cost

General liability insurance in texas for business cost $210 a month or $2,520 a year for a $1 million coverage availed by big businesses. On the other hand, small business general liability insurance Texas cost can be as low as $51 a month or $612 a year. Let’s take a look at the general liability premiums of the leading businesses in the Lone Star State.


Retail Business Liability Insurance Texas Cost

Retail business is part of Texas’s supersector contributing so much to economic growth. Latest data in 2017 showed that retail businesses in Texas employed at least 1.3 million people. Retail business general liability insurance Texas is $55 a month or $660 a year for a $1 million general liability policy.


Warehouse General Liability Insurance Texas Cost

Together with the transportation businesses, warehousing businesses in Texas employed 474,000 people.  Warehouse general liability business insurance Texas cost is $90 a month or $1,080 a year for a $1 million coverage.


General Liability Insurance for Professional Services Texas Cost

In 2020, the professional services sector in Texas employed 14% of the state’s non-agricultural workforce. On average, general liability insurance Texas contractor cost is $46 a month or $552 a year. 



Cost of General Liability Insurance for Sports

General liability is also available for sports. The table below quickly outlines the cost of general liability for different sporting categories:


Cost per Month Cost per Year
Softball $349 $4,188
Hockey $47 $564
Golf $50 $600
Baseball $45 $540
Youth Basketball $34 $408
Soccer $40 $480

Compare General Liability Insurance Quotes Online

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CoverWallet General Liability Insurance


Pros

  • Compare general liability quotes and purchase online

  • Online policy management

  • Cheap

Cons

  • Doesn’t underwrite its own general liability insurance


Those looking for the cheapest general liability insurance need to try CoverWallet . This company is an insurance broker running an insurance quotes generator on its website, so that customers can get small business insurance cost estimate and know the amount of coverage available.


Since it sells the offers of its numerous partners, CoverWallet helps its users get general liability insurance under 100 dollars provided that they’re running a non-high risk business or profession. Note that the company states that minimum premiums start at $350 a year, which translates to $29.16 a month.


Best for: Cheapest commercial liability insurance general liability coverage and quotes comparison online to purchase at less than usual cost

Average cost: $29.16

Our rating: 10/10



Thimble General Liability Insurance


Pros

  • Short term general liability insurance that’s cheaper than average market rates

  • Get insured for hours, days, weeks, or months

  • Buy insurance online

Cons

  • General liability is offered as a stand-alone policy


Thimble offers short-term general liability insurance for many businesses and professions. Its general liability policy is available as monthly, weekly, hourly, or daily liability insurance. Thimble states that small businesses pay $42 a month or $504 a year. The company also lays down the specific cost of its short-term general liability which is $5 by the hour, $15 by the day, $32 by the week, and $49 by the month.


Best for: Short term general liability insurance

Average cost: $42

Our rating: 10/10



Next General Liability Insurance


Pros

  • Get insured within minutes

  • General liability can be bundled with other business insurance policies at a discounted rate

  • Add additional insureds and pay for insurance online

Cons

  • Some customers reported that Next’s rates are more expensive than the estimated rates reflected on their quotes


Is Next insurance good? That’s up to you to decide. But know that this company’s general liability policy can be managed without an agent. For instance, customers can easily add additional insured to their general liability insurance using a phone or computer. Payments can also be made in the same manner. Moreover, Next’s general liability insurance is available at the Amazon prime store at a discounted rate for amazon sellers.


Best for: General liability insurance that can be managed intuitively online

Average cost: $25

Our rating: 9/10



Hiscox General Liability Insurance


Pros

  • $10 million general liability policy

Cons

  • Need to talk with a representative to avail the $10 million general liability insurance


Hiscox’s general liability insurance is available to a wide range of business industries such as consulting, energy, transportation, hospitality, and more. The strongest trait of this company is that its general liability coverage can have a $10 million limit provided that the customer passes the underwriters’ assessment. 


Best for: General liability with $10 million limit

Average cost: Depends on the customer's business or profession. Contact Hiscox agents or customer service for accurate pricing

Our rating: 8/10



State Farm General Liability Insurance Small Business


Pros

  • Available in all 50 states

  • Insures 300+ businesses and professions

  • Available in Canada

Cons

  • Claims for general liability have to be made over the phone for fast processing


State Farm Insurance g eneral liability is both a stand-alone policy and a coverage included in its business owner’s policy. The minimum policy limit of State Farm general liability insurance is $1 million, which can be increased up to $2 million upon request. 


The general liability policy from the company can be paired with other State Farm business liability coverage such as professional liability and excess liability for enhanced protection. General liability insurance for small business State Farm underwrites is available in all of the United States across 300+ businesses and professions. Moreover, general liability insurance State Farm offers is also available for businesses in Canada. 


Best for: General liability that can be added with excess liability 

Average cost: Not mentioned by the company. Pricing depends on the customer’s business or profession

Our rating: 8/10



Nationwide General Liability Insurance


Pros

  • General liability can be customized with endorsements

Cons

  • Purchasing general liability needs the help of an agent



Nationwide is one of the Fortune 100 commercial liability insurance companies. It is rated A+ by AM Best and Standard & Poors. The company’s general liability insurance is available for:

  • Auto service and repair

  • Contractors

  • Consulting agencies

  • Food Service

  • Food Processing

  • Photography Studios

  • Wholesalers and distributors

  • Retail

  • Breweries

  • Commercial real estate

  • Churches 


Nationwide’s general liability insurance can be endorsed with umbrella policy, hired and non-owned auto liability, and other commercial liability insurance products. Nationwide small business insurance cost and Nationwide commercial liability insurance cost can only be known with the help of an agent as the company determines pricing based on the unique risks the customer faces. 


Best for: General liability insurance that can be customized with endorsements

Average cost: Depends on the type of business or profession. Contact a Nationwide agent for accurate pricing

Our rating: 8/10



Allstate General Liability Insurance Small Business


Pros

  • File and track claims online

  • General liability includes compensation for lost wages and funeral expenses of third parties

Cons

  • General liability can’t be purchased as a stand-alone policy

  • Only insures selected businesses


Allstate small business insurance offers general liability together with commercial property or other commercial insurance products. Policy limit starts at $1 million and coverage is available to:

  • Accounting services

  • Barber shops

  • Chiropractors

  • Dentists

  • Legal services

  • Photographers

  • Real estate agents

  • Professional firms

  • Health and medical clinics

  • Retailers

  • Food and beverage businesses


Contrary to what was said in a popular source, Allstate’s general liability isn’t claimable through phone only. After purchasing an insurance policy, the company creates a user account. All the customer has to do to file or track a claim is to login to the Allstate website or mobile app. 


Quotes for general liability insurance are available online on the Allstate website. 


Best for: General liability already bundled with other policies

Average cost: General and professional liability insurance cost depends on the customer’s business or profession. Accurate pricing is provided by an agent

Our rating: 7/10



Farmers General Liability Insurance


Pros

  • Has its own quote generator that estimates pricing

  • Third party reviews synonymously say that Farmers claims process is quick and efficient

Cons

  • Online quotes generator needs to be faster and more intuitive


Farmers Insurance general liability coverage offers two options: premises liability coverage and products and completed operations coverage. Policy limits start at $1 million. Claims can be filed online and tracked via the Farmers website. Customers can get general liability insurance quotes online and check pricing.

 

Best for: General liability with premises liability coverage and products and completed operations coverage

Average cost: Not stated in the company website. Visit Farmers website to check pricing based on location

Our rating: 7/10



A-1 General Liability Insurance


Pros

  • General liability has a lot of optional coverages

Cons

  • Adding optional coverages make basic general liability more expensive than what was reflected on the quotes

  • Not an insurance company but a broker selling the quotes of its partners


A-1 insurance general liability policy includes advertising injury coverage, medical payments coverage, fire damage liability to rented premises coverage, premises liability coverage, and products and completed operations coverage. Though not a well-known carrier, A-1 insurance’s general liability is somehow comprehensive. 


Best for: General liability insurance with a lot of coverages

Average cost: Not stated on the company website. Customers need to call A-1 representatives

Our rating: 7/10



How to Calculate Business Insurance Prices to Know How Much to Pay for General Liability Coverage?

The cost for business insurance if you’re getting general liability coverage is determined through a very complex equation taking different factors into account. But don’t fret because there are many tools online that provide you with a general liability insurance cost estimate.


A trusty business insurance calculator is published on the pages of insurance companies. We’ll show the best general liability insurance calculator in this section. 


Thimble Business Liability Insurance Cost Estimator



Thimble’s business insurance calculator is easy to use. All you have to do is tell the tool how many employees you have (type 1 if there are none), input your profession or business, input your business location’s zip code, and input the value of equipment (type 0 if there are none). 


Next General Liability Insurance Estimator



This one is more straightforward to use. All you have to do is provide your location and choose your business or profession from the dropdown list. After that, you’ll get your estimated insurance rate from Next. 




Does General Liability Cover Slander, Libel, and Other Causes of Advertising Injuries?

General liability can cover slander, libel, and other related situations so long as it has advertising injury coverage. Advertising injury coverage is an optional policy added to general liability at a cost. 


What is a Monthly Premium?

Monthly premium is insurance paid monthly. For example, if you got insured on April 4th, then your upcoming payment for the insurance policy will be scheduled on the 4th of the next month.


How Often Do You Pay Insurance: Is an Insurance Premium Monthly or Yearly?

So is a premium monthly or yearly? The answer is both. Most carriers stop their customers from wondering is insurance premium monthly or yearly and give them the liberty to pay based on either which.


But note that there are carriers that don’t allow for insurance monthly premium. This might be done to simplify the payment of insurance as well as the updating of the policyholder’s insurance records. 


Should I pay insurance in full or monthly? - That’s up to you to decide. So why do you pay insurance monthly? Primarily, paying an insurance premium monthly lessens the burden as costs won’t accumulate for the whole year. The only downside is if your carrier doesn’t have an intuitive online payment system, then making payments can be a hassle. 


How about paying yearly? What are the advantages? Paying yearly is advantageous if the carrier doesn’t implement an intuitive online payment system as you can pay for insurance in one go. Also, it ensures that you can use the policy ASAP.  The downside is you’ll be paying a hefty price. 


How Much is Liability Insurance for a 18 Year Old Business?

There’s no absolute answer for this. Different factors come into play such as business size and type, claims history, revenue, location, and more.


How Much Does Liability Insurance Cover?

Typically, general liability insurance offers a basic coverage of $1 million or $2 million. But note that if you’re willing to pay for more and the carrier allows it, general liability can cover up to $10 million or more. 


How Much is a Certificate of General Liability Insurance?

Certificate of liability insurance cost nothing. You don’t have to pay a single dime whether by getting the certificate online or by asking an agent to make you a copy. 



How to Get Cheap General Liability Insurance Small Business Rates?

Paying for your general liability insurance in full will help make general liability insurance cheap. Carriers might offer discounts if you do so. You can save 2% or 3% on your insurance premiums. 


Another way is to enroll in free or paid risk management programs offered by carriers. This lowers insurance premiums because underwriters will see that you’re doing your best to mitigate risks. Companies that have higher risk than a competitor in the same industry will generally have higher insurance premiums. 


Having hefty deductibles will also save costs. In brief, a deductible is the amount you’ll pay to the carrier before getting your claim. For example, if your general liability is $1 million and your deductible is $100,000, the money you’ll receive from the insurance will only be $900,000. 


Finally, don’t forget to compare quotes to get the general liability insurance cheapest offers. Use our free online quotes generator to do so. Click the “Get Quotes” button to start and compare the cheapest liability insurance quotes from different companies. 


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