Estimate annual general liability insurance premiums based on your industry, revenue, employees, and coverage needs.
$33/month
| Estimated Range (Low) | $320/yr |
| Estimated Premium | $400/yr |
| Estimated Range (High) | $520/yr |
| Monthly Estimate | $33/mo |
📋 This is an estimate only. Get actual quotes from licensed insurers like Hiscox, Next Insurance, or your broker.
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Premium = Base Rate × Revenue Factor × Employee Factor × Coverage Factor
Estimates based on industry averages. Get actual quotes from multiple insurers.
Small businesses typically pay $400–$1,500 per year for general liability insurance. Higher-risk industries like construction can pay $2,000–$10,000+. Factors include revenue, employees, and claims history.
General liability (GL) covers bodily injury, property damage, and personal injury claims made by third parties. It doesn't cover employee injuries (workers comp), professional errors (E&O), or auto accidents.
The first number ($1M) is the per-occurrence limit — the max per single claim. The second ($2M) is the aggregate limit — the max paid across all claims in a year.
Many clients require proof of insurance (COI) before hiring you. Professional liability (E&O) is typically more relevant for service-based freelancers than general liability.
Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.