General Liability Cost Estimator
Estimate the cost of general liability insurance for your business based on your industry, state, revenue, and number of employees.
General liability insurance protects your business against third-party claims of bodily injury, property damage, and advertising injury. Costs vary widely by industry, location, and business size.
Industries
20+ categories
Output
Low/median/high range
Factors
Industry, state, revenue
This tool provides educational cost ranges based on industry data. Actual premiums are determined by insurance carriers based on your complete risk profile.
How to Use This Tool
Follow these steps to estimate your general liability costs:
Select Your Industry
Choose the industry that best matches your business operations. Industry is the largest factor in GL pricing.
Choose Your State
Select your primary state of operations. Some states have higher liability environments than others.
Enter Business Details
Enter your annual revenue and number of employees. Larger businesses typically pay more in GL premiums.
Review Cost Range
View low, median, and high cost estimates along with common coverage limits and industry-specific considerations.
Frequently Asked Questions
What does general liability insurance cover?
General liability covers third-party claims of bodily injury (a customer slips in your store), property damage (you damage a client's property), and advertising injury (copyright infringement in your marketing). It does not cover employee injuries, professional errors, or auto accidents.
How much does general liability cost for a small business?
Most small businesses pay between $400 and $2,000 per year for general liability insurance. However, costs vary widely by industry — a consulting firm might pay $500/year while a contractor could pay $3,000+/year.
Is general liability required by law?
General liability is not mandated by state law in most cases, but it's often required by commercial leases, client contracts, and licensing boards. It's considered essential coverage for virtually every business.