Nationwide emerged as the top contender for Connecticut’s best general liability insurance in MoneyGeek’s analysis with a score of 97 out of 100. However, The Hartford, Thimble, NEXT, and Hiscox are also great options for general liability policies.
Best General Liability Insurance in Connecticut
Updated: June 20, 2025
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Key Takeaways
Overall, the best general liability insurance company in Connecticut is Nationwide, which has a great balance of affordable rates for LLCs and good customer service.
The cheapest general liability insurance for sole proprietors in Connecticut is offered by Thimble at $24 per month. For LLCs, NEXT is the most affordable option at $28 a month.
General liability insurance costs in Connecticut depend on your industry, and we found they can range from $31 to $4,413 per month on average.
Best Cheap General Liability Insurance in Connecticut
| Nationwide | 97 | $37 | $41 |
| The Hartford | 95 | $34 | $70 |
| Thimble | 92 | $24 | $68 |
| NEXT | 90 | $27 | $28 |
| Hiscox | 83 | $32 | $272 |
*Rates were based on a $1,000,000 per occurrence and $2,000,000 aggregate limit for a software development company.
Nationwide: Best Overall
pros
Low rates for LLC businesses
Large coverage selection
Low customer claims frequency
cons
Higher rates for sole proprietors
COMPANY HIGHLIGHTS
Nationwide earned our spot for Connecticut's best overall general liability insurance by combining cost-effective premiums with superior customer relations. The insurer matches the industry's lowest NAIC claims ratio for first place and holds 2nd position for LLC affordability, with most businesses paying approximately $492 per year for reliable liability coverage.
NEXT: Cheapest Overall
pros
Easy fast buying process
Very cheap rates overall, regardless of business size
Business-insurance-only focus
cons
Higher customer complaint frequency
COMPANY HIGHLIGHTS
Our Connecticut selection for most affordable general liability insurance is NEXT. Sole proprietorships pay around $27 monthly rates and LLCs pay $28 per month, ranking second and first respectively in the state. Although the company's claims performance trails other Connecticut providers in our analysis, NEXT excels with its efficient online platform and instant insurance documentation.
How Much Is General Liability Insurance in Connecticut?
An average general liability insurance policy in Connecticut typically costs around $31 per month for sole proprietors and $96 per month for LLCs. However, this only represents software development companies and the costs can vary widely by industry.
| Cleaning | $2,841 | $123 |
| General Contractor | $4,413 | $245 |
| Software Development | $96 | $31 |
*Rates are based on a $1,000,000 per occurrence and $2,000,000 aggregate coverage policy for general liability.
Factors That Impact General Liability Insurance Costs in Connecticut
General liability insurance costs can fluctuate based on a number of different factors in Connecticut. In the list below, you can see these factors and their impacts on your coverage costs:
Policy limits
Coverage limits can greatly influence insurance premiums. Higher coverage limits typically lead to increased costs, while opting for lower limits usually results in more affordable premiums.
Number of employees and payroll costs
Businesses with a large workforce and high payroll expenses often face higher general liability insurance costs. Our analysis of LLCs and sole proprietorships supports this correlation.
Business location
Where your business is located significantly impacts insurance costs. State-level rates can differ from city to city, so it's important to consider these variations when assessing your coverage needs.
Claims history
A history of multiple claims can make a business seem riskier to insurers, leading to higher premiums.
Industry
Industries with higher risks, like construction, often incur higher general liability insurance costs.
Connecticut General Liability Insurance: Buyers Guide
Business insurance is a complicated industry and can be difficult to navigate. So, to simplify your understanding of general liability insurance, we've created a short guide detailing how to get the best coverage, defining what it covers, listing requirements in Connecticut, and explaining how much coverage you should consider getting.
How To Find The Best General Liability Insurance Company
To help ensure that you get the best small business insurance regardless of your industry, we've created a step-by-step guide to simplify your coverage search.
- 1
Define your coverage needs
Determine your liability risk by considering your industry, services, customer types, business size and market impact. Assess the frequency and costs of common claims in your industry to evaluate coverage options better.
- 2
Research average costs for your business
To understand how good of a deal you're getting from business insurance companies, you need to research average costs for your particular business.
- 3
Consult similar businesses
Your business community is your greatest resource, which can give you recommendations that are better for your specific needs. They may also provide ways to mitigate risks associated with general liability insurance. This may mean you don’t need extra coverage.
- 4
Compare multiple options through different means
Comparing multiple companies apples to apples ensures that you can judge which option is best for your business. Also, choosing multiple means of comparison, like online comparison sites and brokers, will give you a more comprehensive view of pricing and provide more opportunities to get advice.
What Does General Liability Insurance Cover and How Does It Work?
General liability insurance coverage consists of two parts: per occurrence and aggregate limits. Per occurrence refers to the maximum a single claim can go up to, while the aggregate limit is the total coverage you can get per year. In terms of covered items, this type of policy includes the following:
Bodily injuries or property damage on business property
Legal fees for bodily injury or property damage that your company may be responsible for
Damages to leased or rented business property
Bodily injury or property damage caused by your product or service
Libel, slander, or reputational harm legal defense
Legal fees for copyright infringement accusations
Is General Liability Insurance Required in Connecticut?
General liability insurance isn't expressly required by state law and instead varies by your industry. However, if you want to apply for a professional license, sign a contract with a larger company, or sign an office lease, some form of general liability insurance may be required. While not an exhaustive list, the following industries tend to fall into these categories:
- Medical
- Accounting
- Real estate
- Insurance
- Contracting
- Engineering
- Marketing
- Law
- Consulting
- Media/Communications
How Much General Liability Insurance Do I Need?
Most small businesses will only need a standard policy with 1 million dollars of protection per occurrence and a 2 million limit per year. This will likely cover most or all damages caused over a year for most business types. Even so, your particular industry's risks and the size of your operation may require a larger coverage limit than standard.
WHO MAY NEED MORE COVERAGE
Protecting your business is important. Companies in fields like health services, building, or selling goods, or for those that serve food and drinks often see the biggest insurance claims. So, if your business is part of these groups, consider more coverage. This is also true for small businesses that have lots of workers or sell products far and wide.
Best General Liability Insurance in Connecticut: Bottom Line
Overall the best general liability insurance companies in Connecticut are Nationwide, The Hartford, and Thimble. Nationwide shines with a high MoneyGeek Score and affordable rates for LLCs. The Hartford stands out for consistent excellence. Thimble leads with the lowest monthly premiums for solo entrepreneurs. However, we recommend comparing around yourself and getting plenty of quotes to ensure you get the best deal possible.
General Liability Insurance in Connecticut: FAQ
Below, we address frequently asked questions regarding general liability insurance in Connecticut:
Which company has the best general liability insurance in Connecticut?
MoneyGeek’s leading choice for general liability insurance in Connecticut is Nationwide, which earned an overall score of 97 out of 100. However, the ideal insurance for you depends on various details, including your business size, number of employees, and specific coverage requirements.
Which company has the cheapest general liability insurance in Connecticut?
On average, NEXT is the most affordable insurer for LLCs, with average rates of $336 per year. For sole proprietors, Thimble offers the cheapest rates, averaging $288 annually.
Does Connecticut require businesses to have general liability insurance?
In Connecticut, while it's not a legal requirement, securing general liability insurance is a prudent measure to protect your business against financial risks from third-party claims.
How We Chose the Best General Liability Insurance Providers in Connecticut
We broke down our scores into these categories and weights:
- LLC cost (55% of score)
- Sole proprietor cost (5% of score)
- Customer satisfaction (25% of score)
- Financial strength (10% of score)
- Quote process time (5% of score)
For all business insurance companies, we assumed software development industry LLCs with 20 employees. We based customer satisfaction and financial strength scores on NAIC and AM Best ratings. Quote process scores came from our MoneyGeek experts' personal experiences.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.