General Liability Insurance Cost
In 2025, the average cost of general liability insurance per month was $79 for new Progressive Commercial customers. The median rate was $55 per month.
So what can you expect to spend? The median price reflects what most people pay for business liability insurance because it's the midpoint of all policy premiums. Unlike the average, it isn't affected by extremely high or low rates.
These numbers give an idea of how much general liability insurance costs, but your actual rate depends on specific features of your small business. Progressive Commercial can help you learn what you'll pay. Get a quote online or call an in-house agent for expert support.
How much does general liability insurance cost?
General liability insurance cost factors
Your exposure to risk affects how much you'll pay for other related general liability insurance costs. These factors can influence your rate:
Profession
General liability insurance cost can vary among professions because each has unique risks. For example, a landscaper might pay more for general liability coverage than a consultant because their work is physically demanding and can lead to third-party injuries, property damage, medical expenses, and more.
Type of work
Businesses in related fields can have different general liability premiums depending on the nature of their work. A small business that manufactures, delivers, and installs equipment is exposed to more risk than one that only delivers equipment or other goods. As a result, the first business might have a higher insurance rate.
Location
Rates vary based on your state and where you conduct business. General liability typically costs more in highly populated areas and locations with increased claims.
Number of employees
Businesses with employees could have a higher general liability insurance rate. More people working increases the chance of accidents and mistakes that could result in a claim.
Time in business
Newer businesses might pay more for insurance because they don't have much experience. Over time, an established safety record could lower your premium.
Coverage
The amount of coverage you select for your small business can affect the average cost of general liability insurance. For example, a $1 million/$2 million policy is typically more expensive than a $1 million/$1 million policy.
Claims history
Insurance companies take past accidents and lawsuits into account when determining your premium. A clean claims history is one way to maintain a low general liability rate.
How to find affordable general liability insurance for your business
Getting the cheapest general liability insurance doesn't have to be difficult. When you get a quote, keep the following ways to save on your premium in mind:
Adjusting your coverage limits and deductibles
Lowering your aggregate limits from $2 million to $1 million, for example, is one way to get a low-cost general liability policy. You can also increase your deductible amounts. It's important to understand that these changes lower your overall coverage, which means you'll pay more out of pocket at the time of a covered loss. Make sure you're comfortable with your selected amounts prior to buying a policy.
Implementing safety standards in the workplace
Always keep safety in mind. Smart workplace practices can reduce risks and help protect your customers. For example, a painting contractor who keeps a clutter-free workspace can reduce the risk of someone tripping over supplies. Lowering your exposure to possible claims could help keep your general liability premium low.
Discounts
Discounts are an easy way to get the cheapest liability insurance for your business. The amount you save depends on your insurance carrier, business class, and location. Insurers could offer a discount for paying in full or having an existing policy with them. Be sure to ask what discounts you're eligible for when getting your quote.
Why choose Progressive Commercial for general liability insurance
Progressive Commercial insures more than 1.2 million small businesses. They trust us to provide competitive rates, flexible options, and expert service. If you're looking for general liability, we'll work with your business to find the right balance between cost and coverage. Start an online quote to find out how much you'll pay for general liability, or call us to get a customized rate.
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