On this page
$45
median per month
$538
median per year
85%
choose $1M / $2M limits
What general liability covers
- Bodily injury to customers, clients or visitors — a client trips over your equipment.
- Property damage you cause to someone else’s property while working.
- Personal and advertising injury — libel, slander or copyright claims from your marketing.
- Legal defense costs, settlements and judgments up to your policy limits.
- Products and completed operations — injuries from something you sold or work you finished (check the policy).
What it doesn’t cover
| Risk | Policy you need |
|---|---|
| Your advice or work causes a client a financial loss | Professional liability (E&O) |
| An employee is hurt on the job | Workers’ compensation |
| Your own equipment, inventory or space is damaged | Business owner’s policy or commercial property |
| Accidents in a business vehicle | Commercial auto |
| Data breach or ransomware | Cyber liability |
How much general liability costs
Insureon reports a median of $45 a month across its small-business customers, with annual premiums running from roughly $250 to more than $3,000. 22% pay under $30 a month and 41% pay $30–$60. Your price depends mainly on your industry’s risk, your location, revenue, number of employees and claims history.
NEXT, which publishes its own data, says 45% of its general liability customers pay $45 a month or less, and advertises starting prices from $19 a month.
General liability cost by state
| State | Median per month | State filing guide |
|---|---|---|
| California | $42 | California annual report |
| Florida | $55 | Florida annual report |
| Georgia | $47 | Georgia annual report |
| New York | $44 | New York annual report |
| North Carolina | $42 | North Carolina annual report |
| Texas | $43 | Texas annual report |
General liability cost by profession
Average monthly premiums NEXT reports for its own active customers (data from April 2026):
| Profession | Average per month | Profession | Average per month |
|---|---|---|---|
| Personal trainer | $20 | Photographer | $25 |
| Hairstylist | $30 | Business consultant | $35 |
| Accountant | $45 | Engineer | $50 |
| Retail | $55 | E-commerce | $60 |
| House cleaner | $60 | Janitorial | $75 |
| Property manager | $86 | Handyman | $95 |
| Electrician | $120 | Carpenter | $145 |
| Daycare | $175 | General contractor | $210 |
| Auto repair | $220 | Restaurant | $245 |
Limits, deductibles and certificates
- Limits. Most small businesses (85% at Insureon) pick $1 million per occurrence / $2 million aggregate; 8% pick $2M / $4M.
- Deductible. Typically $500–$1,000.
- Certificate of insurance. Clients and landlords will ask for one, often naming them as “additional insured”. Online insurers issue these instantly.
- Save with a BOP. If you also need property coverage, a business owner’s policy bundles both, typically for less than buying them separately.
How to get general liability for your LLC
- Have your LLC’s legal name, EIN, address, start date, revenue estimate and payroll ready.
- Describe your work precisely — the business class drives the price.
- Compare at least two quotes with the same limits and deductible.
- Buy online and download the certificate of insurance.
NEXT Insurance
General liability from $19/mo
- Buy online in about 10 minutes, coverage effective after payment
- Unlimited free certificates of insurance (COI), 24/7
- General liability from $19 a month
Watch out: Starting prices are not guaranteed
Simply Business
GL from $20.75/mo
- Compares quotes side by side from 18 carriers
- Carriers include Hiscox, Travelers, CNA, Markel and Liberty
- Certificate of insurance downloadable 24/7
Watch out: Advertised prices are the 10th percentile — most pay more
Insureon
Median GL $45/mo
- Publishes median prices from 100,000+ small-business customers
- Quotes from multiple insurers with licensed agents
- Covers a wide range of industries
Watch out: Medians — your price depends on industry, state and limits
Prices are published averages or starting prices from each insurer or broker, not quotes. Your premium depends on your industry, state, payroll, revenue and claims history. We are not an insurance agency. Verified October 18, 2026. We may earn a commission if you sign up through our links, at no cost to you. How we’re funded.
Frequently asked questions
Does an LLC need general liability insurance?
It isn’t required to form an LLC, but most LLCs that meet clients, work on customer property, rent commercial space or sell products should have it. Many contracts and commercial leases require proof of general liability before you start.
How much is general liability insurance for an LLC?
The median is $45 a month ($538 a year) among Insureon’s small-business customers, with annual premiums from about $250 to over $3,000. At NEXT, 45% of general liability customers pay $45 a month or less.
What does general liability not cover?
Professional mistakes (that’s professional liability), injuries to your own employees (workers’ comp), your own property (commercial property or a BOP), vehicles (commercial auto) and data breaches (cyber).
What limits should an LLC choose?
At Insureon, 85% of customers choose $1 million per occurrence and $2 million aggregate — the limit most contracts ask for. Some larger clients require $2 million / $4 million.
What is a certificate of insurance (COI)?
A one-page proof of coverage you send to clients, landlords or general contractors. Online insurers such as NEXT let you create unlimited certificates for free, any time.
Is general liability tax deductible for an LLC?
Business insurance premiums are generally deductible as an ordinary and necessary business expense. Confirm with your tax preparer.
Your LLC setup checklist
- Get a free EINFrom the IRS, in minutes online.
- Open a business bank accountKeep LLC money apart from yours to protect the liability shield.
- Sign an operating agreementSettle who owns and decides what before it matters.
- Plan your taxesKnow your tax status and federal due dates.
- Track state deadlinesFree reminders before each filing.
Everything in one list: printable LLC compliance checklist · live deadline calendar.