General Liability Insurance Cost
Pick a business type to see the published median, then type a quote to compare it.
How to use the general liability insurance cost tool
- Open the tool at the top of this page.
- Choose the row of the published table that matches your business type. The rows are All small businesses, Technology, Construction, Cleaning, Healthcare, Food and beverage, Therapy and counseling, Installation, Landscaping, Consulting, and Insurance.
- Read the published figure per month and per year for that row. For the industry rows, only the monthly median is published, so the yearly figure is that amount times 12 and is marked with an asterisk in the table.
- If you have a quote, type it in and choose whether it is “per month” or “per year”.
- Read how far your quote is above or below the published figure.
- Check the limits line. It appears only when the source states limits for that figure.
- Open “More options” and enter your annual revenue and number of employees.
- Read the share of revenue and the amount per employee, which appear once you have typed those numbers. If you also typed a quote, a separate line shows your quote as a share of revenue.
Everything is calculated in your browser, so nothing you type is uploaded. There is no sign-up, the tool is free, and it does not ask for contact details. Use the same row for every comparison so the results stay consistent.
What do the published general liability insurance cost figures show?
The tool shows published medians for general liability policies, one for each business type in the table. Each row shows a monthly and a yearly figure, so you can see the published level for that type before you compare it with your own quote.
How are the published figures calculated?
The figures are medians from Insureon, based on data for 100,000 small business owners. Most of those owners have fewer than five employees, revenue from about $50,000 to over $200,000, and five years or less in business. A median is the middle value when the figures are sorted, so half the customers in the data paid more and half paid less.
Why do the monthly and yearly figures not multiply exactly?
Only the all-business row has both a monthly and a yearly figure published, so the yearly number there is not exactly twelve times the monthly one: it shows $45 per month and $538 per year, while twelve times $45 is $540. For the industry rows the source publishes only the monthly median, so the tool shows the yearly figure as the monthly one times 12 and marks it with an asterisk.
Which limits do small business owners choose?
Insureon’s general liability page states that 85% of small business owners choose $1 million / $2 million limits and 8% choose $2 million / $4 million. These are shares of Insureon’s customers (page updated 30 March 2026), not a recommendation for any business. The tool shows limits only when the source states them for a figure.
What is the range of annual costs?
The same page (updated 30 March 2026) states an annual range for its customers of $265 to $3,030. It also states that 22% of customers pay less than $30 a month and 41% pay between $30 and $60 a month. It gives an average deductible between $500 and $1,000.
Can separate medians be added together to price a bundle?
No. A sum of separate medians is not the price of a bundle, and this page says so. If you add a general liability figure to another coverage figure, the total is only a sum of two numbers, not a combined quote.
How do the share of revenue and amount per employee work?
When you type annual revenue, the share of revenue is the published yearly figure divided by that revenue, shown as a percentage. If you also typed a quote, a separate line divides your annual quote by the revenue. When you type the number of employees, the amount per employee is the published yearly figure divided by that number.
Why does the all-business figure have two labels?
Insureon’s cost-by-coverage page calls the all-business figure of $45 per month and $538 per year a median. Its general liability page calls the same $45 an average, while also saying its figures use medians. The tool labels these as published medians from Insureon, because that is how the source describes its method.
Sources (checked 15 October 2026): insureon.com · insureon.com
Worked examples
| Input | Result |
|---|---|
| All small businesses | All small businesses: $45 a month, $538 a year (published median) |
| All small businesses, quote $60 per month | Your quote of $60 a month ($720 a year) is 33.8% above the published median of $45 a month. |
| Technology, revenue $120,000 | Technology: $30 a month (published median), about $360 a year (12 x the monthly figure) |
| All small businesses, revenue $150,000 | All small businesses: $45 a month, $538 a year (published median) |
Calculated by the tool above; open it with the same values to see each step.
Frequently asked questions
Is general liability insurance cost the same for every business?
No. The published table gives a separate row for each business type. For example, the Construction row shows a published median of $82 per month ($984 per year, calculated as 12 times the monthly figure), while the Therapy and counseling row shows $29 per month ($348 per year, calculated the same way).
Does an llc insurance cost figure exist on this page?
The table lists business types, not legal structures, so there is no separate row for an LLC. The published figures are grouped by industry, so the tool compares a quote only with the row you pick.
Where do the published figures come from?
They come from Insureon’s small business insurance cost page, updated 6 February 2026. Each figure is a published median from that source, and the tool shows the date with the figures.
Is the result a quote?
No. The result is an estimate only. The tool compares your typed quote with the published figure, and it does not give a quote of its own. Quotes come from a licensed insurer or agent.
Does the tool store the numbers I type?
Everything is calculated in your browser, and nothing is uploaded. The tool does not ask for contact details and does not sell leads or refer you to insurers.
What range should I expect for business general liability insurance cost?
Insureon’s general liability page (updated 30 March 2026) states an annual range for its customers of $265 to $3,030. Your own result depends on the row you pick and the quote you type.
Why does the all-business row have different labels?
Insureon uses the word median on one page and average on another for the same $45 per month figure. The tool uses the term published median, which is how the source describes its method.
Is there a liability insurance cost calculator?
Yes, this page works as one. Pick a business type to see the published monthly and yearly median, then type your quote to see how far it sits above or below it. It compares a quote with published medians; it does not work out a premium from your own revenue, payroll or claims, so it is not a rating engine for a business liability insurance calculator or a general liability insurance calculator. Get quotes from a licensed insurer or agent.
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