How much does general liability insurance cost for a small business?

Most small businesses pay roughly $500–$1,200 per year for a general liability policy with a $1M/$2M limit.

General liability insurance for a small business commonly costs between $500 and $1,200 per year for a standard $1 million per-occurrence / $2 million aggregate policy, which works out to roughly $40–$100 per month. Insureon's published customer data places the median small-business GL premium near $600–$800 per year. Actual quotes vary with trade risk, payroll or revenue, coverage limits, claims history, and state. Low-risk trades such as consulting sit at the bottom of the range; construction sits at the top. Bumping limits or adding workers' compensation and commercial auto raises totals, so most owners bundle policies into a BOP for a discount.