Updated: October 27, 2025

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Cheap General Liability Insurance: FAQ Fast Answers

To give you what you need fast, we've answered common questions the cheapest general liability insurance:

Who offers the cheapest general liability insurance?

How much does general liability insurance cost on average?

What’s the cheapest way to get general liability insurance?

What affects the cost of general liability insurance the most?

Cheapest General Liability Insurance Companies

The Hartford offers the cheapest general liability insurance at $83 monthly ($1,001 annual), saving businesses $21 monthly compared to the $104 average, based on MoneyGeek's analysis. Simply Business, Nationwide and Progressive Commercial also offer competitive rates of $100 and below.

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The Hartford$83$1,001
Simply Business$95$1,139
Nationwide$97$1,165
Progressive Commercial$100$1,203
NEXT Insurance$102$1,223
Coverdash$104$1,242
Thimble$107$1,286
biBERK$114$1,369
Hiscox$114$1,371
Chubb$119$1,423

How Did We Determine These Rates?

Get Matched To The Cheapest General Liability Insurer For You

Select your industry and state to get a customized cheap general liability insurance quote.

Industry
State
Company Image

The Hartford

Cheapest General Liability Insurance Overall

MoneyGeek Rating
4.6/ 5
4.6/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options

  • Average Cost of General Liability

    $83/month

  • General Liability Insurance Savings

    $21/month

  • Largest general liability insurance discount

    10% (BOP Bundle)

Cheapest General Liability Insurance by Industry

NEXT Insurance offers the cheapest general liability rates across 19 industries, more than any other provider in our study. DJ services get the lowest rates at $11 monthly through NEXT Insurance, 58% below the $26 industry average. Pressure washing businesses pay the highest costs at $429 monthly from Thimble, still 53% below the $918 average.

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AccountantsSimply Business$14
Ad AgencySimply Business$20
Auto RepairNationwide$81
AutomotiveNEXT Insurance$26
BakeryThe Hartford$70
BarberNEXT Insurance$21
Beauty SalonCoverdash$42
Bounce HouseThe Hartford$56
CandleNEXT Insurance$34
CannabisThe Hartford$54
CateringNEXT Insurance$48
CleaningThimble$84
Coffee ShopCoverdash$57
Computer ProgrammingNEXT Insurance$16
Computer RepairNEXT Insurance$37
ConstructionNationwide$78
ConsultingSimply Business$14
ContractorbiBERK$204
CourierThe Hartford$170
DJNEXT Insurance$11
DaycareThe Hartford$26
DentalNEXT Insurance$12
Dog GroomingThimble$36
DroneThe Hartford$13
EcommerceThimble$49
ElectricalSimply Business$49
EngineeringbiBERK$17
ExcavationNEXT Insurance$370
FloristSimply Business$30
FoodCoverdash$34
Food TruckNEXT Insurance$73
Funeral HomeNEXT Insurance$44
GardeningThimble$49
HVACThimble$108
HandymanbiBERK$175
Home-basedSimply Business$17
HospitalityNationwide$20
JanitorialThimble$42
JewelrySimply Business$17
Junk RemovalThe Hartford$129
Lawn/LandscapingThimble$49
LawyersSimply Business$14
ManufacturingNationwide$20
MarineThe Hartford$24
MassageNationwide$47
Mortgage BrokerNEXT Insurance$16
MovingNationwide$86
NonprofitbiBERK$26
PaintingThimble$43
Party RentalNEXT Insurance$66
Personal TrainingThe Hartford$19
Pest ControlThe Hartford$26
PetThimble$36
PharmacyNationwide$43
PhotographyNEXT Insurance$13
Physical TherapyNationwide$20
PlumbingSimply Business$269
Pressure WashingThimble$429
Real EstateNEXT Insurance$22
RestaurantNationwide$83
RetailNationwide$30
RoofingThimble$207
SecurityHiscox$29
Snack BarsCoverdash$78
SoftwareSimply Business$14
Spa/WellnessSimply Business$20
Speech TherapySimply Business$20
StartupSimply Business$14
Tech/ITNEXT Insurance$16
TransportationThe Hartford$32
TravelNEXT Insurance$16
Tree ServiceThimble$49
TruckingThe Hartford$82
TutoringNEXT Insurance$13
VeterinarybiBERK$25
Wedding PlanningNEXT Insurance$12
WeldingThe Hartford$137
WholesaleCoverdash$34
Window CleaningThimble$42

How Did We Determine These Rates?

Cheapest General Liability Insurance by State

The Hartford leads state-by-state pricing in our analysis, offering the lowest general liability rates in 42 states. NEXT and Simply Business are the next cheapest providers. Small businesses in Maine get the most affordable coverage at $72 monthly through Hartford, $18 below the $90 state average. Nevada has the most expensive rates at $117 monthly average, but NEXT offers coverage for $100, $17 cheaper.

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AlabamaSimply Business$83
AlaskaThe Hartford$75
ArizonaNEXT Insurance$83
ArkansasThe Hartford$78
CaliforniaThe Hartford$91
ColoradoThe Hartford$81
ConnecticutThe Hartford$89
DelawareSimply Business$91
FloridaThe Hartford$89
GeorgiaThe Hartford$83
HawaiiThe Hartford$86
IdahoThe Hartford$77
IllinoisThe Hartford$90
IndianaThe Hartford$80
IowaThe Hartford$78
KansasThe Hartford$79
KentuckyNEXT Insurance$82
LouisianaThe Hartford$96
MaineThe Hartford$72
MarylandThe Hartford$78
MassachusettsThe Hartford$86
MichiganThe Hartford$77
MinnesotaThe Hartford$77
MississippiThe Hartford$82
MissouriSimply Business$83
MontanaThe Hartford$81
NebraskaThe Hartford$77
NevadaNEXT Insurance$100
New HampshireThe Hartford$81
New JerseyThe Hartford$93
New MexicoThe Hartford$82
New YorkThe Hartford$97
North CarolinaThe Hartford$72
North DakotaThe Hartford$72
OhioThe Hartford$76
OklahomaSimply Business$80
OregonThe Hartford$76
PennsylvaniaThe Hartford$95
Rhode IslandThe Hartford$90
South CarolinaThe Hartford$84
South DakotaThe Hartford$76
TennesseeThe Hartford$80
TexasThe Hartford$83
UtahNEXT Insurance$84
VermontThe Hartford$78
VirginiaThe Hartford$74
WashingtonThe Hartford$93
West VirginiaThe Hartford$86
WisconsinThe Hartford$80
WyomingThe Hartford$75

How Did We Determine These Rates?

How To Get the Cheapest General Liability Insurance

Position your business for the lowest possible general liability rates without compromising protection:

  1. 1
    Compare general liability quotes from multiple providers

    Get quotes from at least three to five insurers since rates vary between companies for the same coverage. An independent insurance broker can help you compare multiple carriers efficiently. Compare quotes annually instead of automatically renewing each year.

  2. 2
    Improve your general liability insurance risk profile

    Reduce potential claims and lower your general liability rates by:

    • Installing security systems and other anti-theft measures
    • Having GPS monitoring on business vehicles
    • Improving lighting, equipment and utilities for better safety and efficiency
    • Fixing hazards promptly if there are any
    • Requiring certificates of insurance from contractors
    • Maintain a clean working premises
    • Document and enforce safety, health and risk management procedures
    • Get industry specific safety certifications (food safety for example)
    • Implement screening and background checks on all employees
    • Review your business classification and ensure it is correct
    • Don't file claims for small issues you can afford out of pocket
    • Maintain a good business credit score

    These steps reduce your actual business risk and earn you insurer discounts when you report your risk reduction efforts, lowering your rates and giving you negotiating room at renewal.

  3. 3
    Take advantage of common general liability insurance discounts

    Bundle general liability into a BOP policy, pay annually and raise your deductible to save up to 25% on your policy. Professional or trade association memberships can lower your premiums even more.

  4. 4
    Exclude unnecessary general liability coverage

    Review your general liability policy terms and confirm it includes only coverages applicable to your industry with limits that reflect your true risk. Service-based businesses don't need product liability insurance included in their plan. This lowers your costs without sacrificing the protection you need.

  5. 5
    Negotiate your general liability policy rates at renewal

    Don't accept your first general liability renewal quote. Contact your agent or broker several weeks before renewal with competing quotes in hand. Long-term customers with good claims histories often get rate adjustments.

Affordable General Liability Insurance: Bottom Line

Finding cheap general liability insurance requires more than comparing quotes. While Hartford offers the lowest rates at $83 monthly in our study, your actual costs depend on your business structure, location and claims history.

Prevention tactics slash your renewal rates. Restaurants that prevent slips with proper floor maintenance and contractors who photograph job sites before starting work pay lower premiums over time.

Cheap General Liability Insurance Chart

About Mark Fitzpatrick

Mark Fitzpatrick headshot

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.

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