Get answers to common Connecticut general liability insurance questions with insights from our best business insurance research. MoneyGeek's analysis provides the reliable information business owners need to make smart coverage decisions:
Best General Liability Insurance in Connecticut
The Hartford leads Connecticut for best and cheapest general liability coverage, starting at $89 per month.
Get matched to the best and cheapest general liability insurer for you below.
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Updated: November 27, 2025
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Commercial General Liability Insurance in Connecticut: Fast Answers
Which company offers the best general liability insurance in Connecticut?
The Hartford is the best general liability insurance company in Connecticut with a 4.61 overall score out of 5. This provider combines affordable coverage at $89 per month with reliable claims handling. NEXT follows in second place with a 4.55 score and offers excellent digital tools and customer support for $112 per month.
Who offers the cheapest general liability insurance in Connecticut?
The cheapest general liability insurance companies in Connecticut are:
- The Hartford: $89 per month
- Simply Business: $104 per month
- Nationwide: $106 per month
- Progressive: $109 per month
- NEXT: $112 per month
Do Connecticut businesses legally need general liability insurance?
Connecticut doesn't legally require most businesses to carry general liability insurance at the state level. However, certain licensed professionals like contractors and electricians may need specific coverage amounts to maintain their licenses. Local municipalities can also set their own insurance requirements. Even when not legally mandated, most landlords and clients require proof of coverage before signing contracts or leases.
How much does general liability insurance cost in Connecticut?
General liability insurance costs between $18 and $1,000 per month for small Connecticut businesses with two employees. Your actual premium depends on your industry, business location, coverage limits, and company size. Drone businesses often pay the lowest rates, while pressure washing companies usually have higher premiums due to increased risk exposure.
Best General Liability Insurance Companies in Connecticut
The Hartford is our top choice for general liability insurance in Connecticut, offering small business owners an excellent balance of affordability and quality customer service. NEXT and Nationwide are also strong alternatives, with NEXT excelling in customer service and coverage, while Nationwide provides solid affordability for Connecticut businesses.
| The Hartford | 4.61 | $89 |
| NEXT Insurance | 4.55 | $112 |
| Nationwide | 4.52 | $106 |
| Simply Business | 4.48 | $104 |
| Coverdash | 4.37 | $112 |
| Thimble | 4.35 | $116 |
| biBERK | 4.30 | $124 |
| Progressive Commercial | 4.27 | $109 |
| Chubb | 4.27 | $129 |
| Hiscox | 4.19 | $124 |
How Did We Determine These Rates?
These rates reflect MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
Get Matched to the Best Cheap Connecticut General Liability Insurer
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LEARN MORE ABOUT THE BEST BUSINESS INSURANCE IN CONNECTICUT
General liability insurance covers customer injuries and property damage for Connecticut businesses, but it won't protect against every risk your business may encounter. Explore these additional coverage options to build comprehensive financial protection:
Best Connecticut General Liability Insurance Reviews
Finding the best general liability insurance in Connecticut means looking beyond affordable rates. Coverage quality and customer service matter too. MoneyGeek researched the top business insurers to help you make the right choice.
The Hartford
Best Connecticut General Liability Insurer
MoneyGeek Rating
4.6/ 5
4.5/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly General Liability Premium
$89These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
4.5/5Our Survey: Likely to Be Recommended to Others
4.5/5
NEXT
Best Connecticut Commercial General Liability Customer Experience
MoneyGeek Rating
4.5/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly General Liability Premium
$112These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
3.9/5Our Survey: Likely to Be Recommended to Others
4.8/5
Cheapest General Liability Insurance Companies in Connecticut
The Hartford offers the cheapest general liability insurance in Connecticut at $89 per month, saving businesses $23 or 20.5% compared to the state average. Simply Business and Nationwide also provide affordable coverage options for Connecticut businesses.
| The Hartford | $89 | $1,068 |
| Simply Business | $104 | $1,248 |
| Nationwide | $106 | $1,266 |
| Progressive Commercial | $109 | $1,307 |
| NEXT Insurance | $112 | $1,344 |
| Coverdash | $112 | $1,348 |
| Thimble | $116 | $1,395 |
| Hiscox | $124 | $1,485 |
| biBERK | $124 | $1,485 |
| Chubb | $129 | $1,550 |
How Did We Determine These Rates?
These rates reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your premium depends on where your business is located, what industry you're in, how much coverage you choose and other factors insurers consider. Available options differ by state.
Cheapest General Liability Insurance in Connecticut by Industry
MoneyGeek's research identifies the cheapest general liability insurance providers by industry in Connecticut.
- The Hartford: Ranks as the most affordable provider across 19 industries, including electrical, trucking, security and cannabis businesses.
- Simply Business: Offers the lowest rates in 14 industries, with strong pricing for professional services like accountants, lawyers and consultants.
- Thimble: Leads affordability in 13 industries, excelling with tech companies, software developers and cleaning services.
- Nationwide and biBerk: Each tops 10 industries for cheap coverage. Nationwide performs best for construction, manufacturing and restaurants, while biBerk dominates contractor, beauty salon and veterinary markets.
- Chubb: Provides the most affordable general liability insurance across six industries, including retail, ecommerce and hospitality businesses.
Data filtered by:
Select
| Accountants | Simply Business | $16 | $188 |
| Ad Agency | Thimble | $108 | $1,296 |
| Automotive | Coverdash | $120 | $1,440 |
| Auto Repair | Nationwide | $88 | $1,051 |
| Beauty Salon | biBERK | $88 | $1,060 |
| Bakery | biBERK | $86 | $1,031 |
| Barber | biBERK | $88 | $1,060 |
| Bounce House | Thimble | $83 | $1,000 |
| Candle | Simply Business | $105 | $1,255 |
| Catering | Chubb | $84 | $1,005 |
| Cannabis | The Hartford | $57 | $689 |
| Cleaning | Thimble | $91 | $1,092 |
| Coffee Shop | Simply Business | $92 | $1,099 |
| Computer Programming | Thimble | $107 | $1,280 |
| Computer Repair | Nationwide | $86 | $1,035 |
| Contractor | biBERK | $222 | $2,659 |
| Construction | Nationwide | $85 | $1,014 |
| Consulting | Simply Business | $16 | $188 |
| Courier | The Hartford | $181 | $2,174 |
| Daycare | The Hartford | $28 | $335 |
| Dental | NEXT Insurance | $14 | $163 |
| Dog Grooming | Chubb | $83 | $1,001 |
| DJ | Thimble | $91 | $1,092 |
| Ecommerce | Chubb | $85 | $1,020 |
| Drone | The Hartford | $14 | $167 |
| Electrical | The Hartford | $92 | $1,106 |
| Florist | Simply Business | $33 | $401 |
| Engineering | biBERK | $18 | $218 |
| Excavation | biBERK | $403 | $4,832 |
| Food | Simply Business | $84 | $1,005 |
| Food Truck | Simply Business | $84 | $1,005 |
| Handyman | biBERK | $190 | $2,275 |
| Funeral Home | biBERK | $88 | $1,050 |
| Gardening | Simply Business | $89 | $1,065 |
| Home-based | NEXT Insurance | $50 | $599 |
| Home-based | The Hartford | $19 | $228 |
| HVAC | Thimble | $117 | $1,403 |
| Hospitality | Chubb | $88 | $1,061 |
| Junk Removal | The Hartford | $138 | $1,652 |
| Janitorial | Nationwide | $106 | $1,276 |
| Jewelry | Thimble | $178 | $2,136 |
| Massage | Simply Business | $87 | $1,041 |
| Lawn/Landscaping | Simply Business | $89 | $1,065 |
| Lawyers | Simply Business | $16 | $188 |
| Manufacturing | Nationwide | $22 | $262 |
| Marine | The Hartford | $25 | $306 |
| Mortgage Broker | NEXT Insurance | $17 | $206 |
| Moving | Nationwide | $94 | $1,124 |
| Party Rental | Progressive Commercial | $84 | $1,008 |
| Nonprofit | biBERK | $29 | $343 |
| Painting | The Hartford | $120 | $1,443 |
| Pest Control | The Hartford | $27 | $329 |
| Personal Training | The Hartford | $20 | $243 |
| Pet | Thimble | $39 | $468 |
| Photography | NEXT Insurance | $14 | $174 |
| Pharmacy | Chubb | $84 | $1,006 |
| Restaurant | Nationwide | $90 | $1,081 |
| Physical Therapy | Thimble | $930 | $11,162 |
| Plumbing | Simply Business | $295 | $3,535 |
| Pressure Washing | The Hartford | $929 | $11,153 |
| Real Estate | Nationwide | $131 | $1,570 |
| Roofing | Thimble | $225 | $2,698 |
| Retail | Chubb | $86 | $1,026 |
| Software | Thimble | $91 | $1,092 |
| Security | The Hartford | $120 | $1,437 |
| Snack Bars | Coverdash | $85 | $1,022 |
| Spa/Wellness | The Hartford | $89 | $1,071 |
| Tech/IT | NEXT Insurance | $17 | $206 |
| Speech Therapist | Simply Business | $22 | $261 |
| Speech Therapist | Nationwide | $22 | $261 |
| Startup | Simply Business | $16 | $188 |
| Tree Service | Nationwide | $94 | $1,124 |
| Transportation | The Hartford | $34 | $408 |
| Travel | The Hartford | $17 | $206 |
| Wholesale | Coverdash | $37 | $441 |
| Trucking | The Hartford | $88 | $1,053 |
| Tutoring | Thimble | $107 | $1,280 |
| Veterinary | biBERK | $27 | $323 |
| Wedding Planning | Thimble | $94 | $1,126 |
| Welding | The Hartford | $146 | $1,751 |
| Window Cleaning | The Hartford | $140 | $1,675 |
Average Cost of General Liability Insurance in Connecticut
Small businesses in Connecticut often pay $112 monthly for general liability insurance. The average cost of general liability coverage shifts based on your industry, business size, location and coverage limits.
Manufacturing companies often have higher premiums because of increased liability risks, while accounting firms usually pay less due to lower exposure levels. Sole proprietors generally see cheaper rates compared to businesses with employees since they have fewer liability concerns.
Average Cost of General Liability Insurance in Connecticut by Industry
Monthly costs for general liability coverage in Connecticut range from $18 for drone businesses to $1,000 for pressure washing companies. This table shows what businesses across different industries usually pay for coverage.
Data filtered by:
Select
| Accountants | $24 | $289 |
| Ad Agency | $39 | $463 |
| Automotive | $58 | $698 |
| Auto Repair | $166 | $1,990 |
| Bakery | $99 | $1,184 |
| Barber | $48 | $580 |
| Beauty Salon | $73 | $875 |
| Bounce House | $77 | $920 |
| Candle | $60 | $720 |
| Cannabis | $73 | $878 |
| Catering | $96 | $1,148 |
| Cleaning | $145 | $1,735 |
| Coffee Shop | $98 | $1,175 |
| Computer Programming | $32 | $380 |
| Computer Repair | $52 | $624 |
| Construction | $191 | $2,297 |
| Consulting | $24 | $287 |
| Contractor | $278 | $3,340 |
| Courier | $213 | $2,561 |
| Daycare | $36 | $431 |
| Dental | $23 | $282 |
| DJ | $28 | $332 |
| Dog Grooming | $69 | $831 |
| Drone | $18 | $218 |
| Ecommerce | $80 | $958 |
| Electrical | $123 | $1,473 |
| Engineering | $44 | $522 |
| Excavation | $508 | $6,101 |
| Florist | $47 | $561 |
| Food | $118 | $1,410 |
| Food Truck | $155 | $1,857 |
| Funeral Home | $66 | $791 |
| Gardening | $123 | $1,472 |
| Handyman | $267 | $3,198 |
| Home-based | $26 | $311 |
| Home-based | $50 | $599 |
| Hospitality | $71 | $854 |
| HVAC | $268 | $3,214 |
| Janitorial | $150 | $1,796 |
| Jewelry | $44 | $528 |
| Junk Removal | $177 | $2,129 |
| Lawn/Landscaping | $131 | $1,575 |
| Lawyers | $25 | $299 |
| Manufacturing | $70 | $837 |
| Marine | $31 | $367 |
| Massage | $105 | $1,255 |
| Mortgage Broker | $25 | $300 |
| Moving | $135 | $1,625 |
| Nonprofit | $39 | $470 |
| Painting | $157 | $1,884 |
| Party Rental | $87 | $1,041 |
| Personal Training | $26 | $313 |
| Pest Control | $35 | $422 |
| Pet | $61 | $734 |
| Pharmacy | $67 | $810 |
| Photography | $26 | $316 |
| Physical Therapy | $120 | $1,442 |
| Plumbing | $395 | $4,737 |
| Pressure Washing | $1,000 | $11,995 |
| Real Estate | $58 | $697 |
| Restaurant | $158 | $1,900 |
| Retail | $71 | $857 |
| Roofing | $424 | $5,084 |
| Security | $152 | $1,823 |
| Snack Bars | $128 | $1,538 |
| Software | $29 | $345 |
| Spa/Wellness | $117 | $1,398 |
| Speech Therapist | $34 | $409 |
| Startup | $31 | $375 |
| Tech/IT | $29 | $346 |
| Transportation | $41 | $493 |
| Travel | $23 | $273 |
| Tree Service | $142 | $1,701 |
| Trucking | $112 | $1,344 |
| Tutoring | $33 | $396 |
| Veterinary | $49 | $587 |
| Wedding Planning | $30 | $363 |
| Welding | $180 | $2,160 |
| Wholesale | $49 | $585 |
| Window Cleaning | $174 | $2,087 |
How Did We Determine These Rates?
These rates reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your premium depends on where your business is located, what industry you're in, how much coverage you choose and other factors insurers consider. Available options differ by state.
What Factors Affect Connecticut General Liability Insurance Costs?
Many factors influence what Connecticut businesses pay for general liability insurance coverage.
Connecticut's Legal and Regulatory Environment
Connecticut juries award substantial damages in liability cases, with personal injury verdicts averaging $2,519,637 and recent 2024 cases resulting in payouts of $30 million, $15.7 million and $15 million. Your small business is also subject to stricter employment protections that apply at just three employees, far below the federal threshold of 15.
You must guard against discrimination claims based on race, color, ancestry, religion, pregnancy, disability, age, gender identity, sexual orientation and marital status. Even winning an employment case costs $50,000 to $150,000 in legal defense. Insurers build these elevated litigation risks and expanded liability protections into every Connecticut policy.
Connecticut's Geographic Risk Profile
Connecticut's dense urban areas create higher foot traffic through your business, multiplying slip-and-fall exposure compared to rural locations. A Hartford or New Haven retail shop sees hundreds more daily visitors, while harsh winters and coastal weather add another layer of risk.
The state ranks third-worst nationally for winter driving fatalities and experienced catastrophic flooding in August 2024 with up to 16 inches of rain in six to eight hours. Storm-damaged walkways, icy parking lots and flooding debris extend your liability exposure for weeks after severe weather events, driving up premiums statewide.
Connecticut's Economic and Demographic Profile
Connecticut's per capita income of $93,235 ranks second nationally, directly affecting your claim costs. When a wealthy customer slips at your business, their lost wage claims run much higher than lower-income states.
A Hartford professional earning $200,000 annually claims $50,000 in lost wages for three months of recovery, versus $12,000 for minimum wage workers. Affluent residents also hire top personal injury attorneys who maximize settlements, making identical injuries cost your insurer seven times more than similar cases elsewhere.
Connecticut's Industry Concentration
Finance, insurance and real estate contributed $77.44 billion to Connecticut's economy in 2023 as the state's largest sector. Healthcare remains the strongest for job growth. These professional services carry higher general liability risk than manufacturing or retail through client meeting injuries, advertising liability claims and entertainment event exposures.
Your small business operates in a state where more companies deal with complex liability scenarios, which pushes up average rates. Connecticut's professional services concentration means insurers price policies for an elevated risk environment.
How Much General Liability Insurance Do I Need in Connecticut?
Connecticut doesn't require general liability insurance for most businesses under state law. Specific licensed professions must carry liability insurance as a licensing requirement.
Requirements for commercial general liability insurance vary by profession, but a standard policy with $1 million per occurrence and $2 million aggregate coverage meets most contractual needs.
Connecticut insurance requirements include:
HVAC Contractors
Connecticut HVAC contractors must provide proof of liability insurance with minimum coverage amounts of $500,000 per occurrence and $1,000,000 in aggregate to obtain their license.
Healthcare Professionals
Licensed physicians, chiropractors, physical therapists, and podiatrists must maintain professional liability insurance with minimum coverage of $500,000 per occurrence and an aggregate of $1,500,000.
Public Project Bidding
Many municipalities require contractors bidding on public projects to carry general liability insurance with a minimum limit of $500,000 combined single limit and $1,000,000 aggregate.
Most commercial property owners require proof of general liability insurance through lease agreements, regardless of state law. Many clients also require certificates of insurance before signing service contracts. These private contractual requirements often exceed state minimum standards and specify $1 million per occurrence coverage.
Note: State insurance rules change often. Check current requirements with the Connecticut Insurance Department or talk with a licensed agent before selecting coverage.
How to Choose the Best General Liability Insurance in Connecticut
Getting business insurance that covers state-specific risks protects your financial future in Connecticut. Compare policies by examining coverage limits, policy exclusions and each insurer's financial stability ratings before choosing your provider.
- 1Assess Coverage Needs
Connecticut law doesn't require general liability insurance for most businesses, but HVAC contractors need $500,000 per occurrence and $1 million aggregate to get licensed. Healthcare professionals must carry $500,000 per occurrence and $1.5 million aggregate under state statutes.
Many commercial leases and client contracts in Connecticut also require business insurance coverage, often specifying $1 million per occurrence regardless of legal requirements.
- 2Prepare Business Information
Collect your annual revenue, employee count, physical address and six-digit NAICS code before requesting quotes from insurers. Connecticut carriers price your premium based on industry risk and location, with Hartford and New Haven businesses paying more than rural operations due to higher claim frequency. Have your EIN, business registration and certificate of good standing from the Connecticut Secretary of State ready to streamline applications.
- 3Compare Multiple Quotes
Get quotes from three Connecticut-licensed insurers since business insurance costs differ by $500 to $1,000 yearly for the same coverage limits. Ask whether defense costs count against your policy limit or come as separate coverage above the cap. Fairfield County businesses often have higher premiums than other regions because dense population increases slip-and-fall and property damage exposures.
- 4Review Policy Details
Avoid choosing cheap business insurance without reading exclusions, as Connecticut's $2.5 million average jury verdicts make coverage gaps catastrophically expensive. Confirm your policy covers advertising injury and understand that employee injuries need separate workers' compensation insurance. Connecticut requires workers' comp for all businesses with one or more employees, so general liability alone won't satisfy your legal obligations.
- 5Verify Insurer Credentials
Check carrier licenses through the Connecticut Insurance Department website and look for AM Best ratings of A- or higher. Review complaint ratios on the state insurance site to find the best insurance for your business based on how insurers handle claims. Strong financial ratings matter when defending lawsuits in a state where personal injury verdicts average $2.5 million.
- 6Explore Available Discounts
Bundle general liability with commercial property or auto insurance to save 10% to 25% on total premiums. Claim-free histories, documented safety programs and paying annually instead of monthly can lower your costs. Connecticut insurers reward businesses that invest in employee training and security systems with additional premium reductions.
- 7Obtain Certificate Documentation
Request certificates of insurance right after buying coverage because Connecticut landlords and clients need proof before contracts start. Most carriers email digital certificates within minutes, though some take up to 48 hours for first-time requests. Save your agent's phone number for urgent certificate needs when bidding on contracts with tight deadlines.
- 8Schedule Annual Reviews
Compare quotes 60 to 90 days before renewal since Connecticut's competitive market means better rates appear regularly. Adjust coverage limits after hiring staff, expanding services or growing revenue to prevent underinsurance during claims. Update your policy when moving to different Connecticut counties because risk profiles and pricing change across regions.
Top General Liability Insurance in Connecticut: Bottom Line
Finding the right general liability insurance in Connecticut starts with understanding your specific business needs and comparing providers thoroughly. The Hartford, NEXT and Nationwide are leading options, but your ideal choice depends on your industry, company size and budget. Compare quotes from multiple insurers and verify their credentials before making your final decision.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Connecticut General Assembly. "Federal and State Employment Discrimination Laws." Accessed December 7, 2025.
- Connecticut Department of Transportation. "CTDOT Reminds the Public Tis the Season to Drive Sober." Accessed December 7, 2025.
- Connecticut Department of Transportation. "CTDOT Reminds the Public Buzzed Driving is Drunk Driving." Accessed December 7, 2025.
- Connecticut Department of Transportation. "1 Safety Performance Targets CTDOT's proposed targets for year 2024." Accessed December 7, 2025.
- Connecticut Department of Emergency Services and Public Protection. "August 18th, 2024: Severe Flooding Disaster." Accessed December 7, 2025.
- Federal Reserve Bank of St. Louis. "Per Capita Personal Income in Connecticut (CTPCPI)." Accessed December 7, 2025.
- Statista. "Connecticut real GDP by industry U.S. 2023." Accessed December 7, 2025.