General Liability Insurance Calculator
Estimate your general liability insurance premium based on business type, revenue, number of employees, and coverage limits. Essential coverage for every business.
Frequently Asked Questions
How much does general liability insurance cost?
Small businesses pay an average of $500-$1,500 per year ($42-$125/month) for general liability insurance. Costs vary significantly by industry, with low-risk office businesses paying as little as $300/year and construction businesses paying $3,000-$5,000+/year.
What does general liability insurance cover?
General liability covers third-party bodily injury (a customer slips in your store), property damage (you damage a client's property), personal and advertising injury (libel, slander, copyright infringement), medical payments (covers minor injuries without a lawsuit), and legal defense costs. It does NOT cover employee injuries (workers comp), professional errors (E&O), or auto accidents (commercial auto).
Is general liability insurance required?
There is no federal law requiring general liability insurance, but many clients, landlords, and contracts require it. Some states require it for certain business types or government contracts. Even when not legally required, operating without it exposes your business to potentially devastating lawsuits.