Key Takeaways

blueCheck icon

Thimble offers the lowest average rates for general liability insurance at $78 monthly ($937 annually) across 79 industries.

blueCheck icon

Several factors affect your rates: industry type, location, business size and claims history.

blueCheck icon

You can save money by comparing quotes, bundling policies for discounts and keeping a clean safety record.

Cheapest General Liability Insurance Companies

Thimble provides the cheapest general liability insurance at $78 monthly ($937 annually) among the 10 carriers MoneyGeek analyzed. The Hartford, Simply Business and Nationwide follow with monthly rates below $100.

Thimble $ 78 $ 937
The Hartford $ 84 $ 1,010
Simply Business $ 96 $ 1,150
Nationwide $ 97 $ 1,166
Progressive Commercial $ 100 $ 1,204
Coverdash $ 104 $ 1,242
NEXT $ 107 $ 1,289
Hiscox $ 112 $ 1,346
biBerk $ 114 $ 1,369
Chubb $ 119 $ 1,427

How Did We Determine These Rates?

Compare Small business Insurance Rates

Ensure you're getting the best rate for your small business insurance. Compare quotes from the top insurance companies.

Why do we need ZIP code?

Cheapest General Liability Insurance by Industry

biBerk offers the cheapest general liability insurance for 18 of the 79 industries MoneyGeek analyzed. Thimble and Simply Business follow, with the lowest rates in 14 and 13 industries, respectively.

AccountantsSimply Business $ 14 $ 173
Ad AgencySimply Business $ 20 $ 240
Auto RepairNationwide $ 81 $ 968
AutomotiveNEXT $ 28 $ 331
BakeryThe Hartford $ 74 $ 888
BarberNEXT $ 23 $ 271
Beauty SalonCoverdash $ 42 $ 507
Bounce HousebiBerk $ 58 $ 698
CandleNEXT $ 37 $ 439
CannabisbiBerk $ 56 $ 669
CateringThimble $ 25 $ 302
CleaningThimble $ 42 $ 503
Coffee ShopCoverdash $ 57 $ 685
Computer ProgrammingbiBerk $ 17 $ 201
Computer RepairNEXT $ 20 $ 238
ConstructionHiscox $ 21 $ 247
ConsultingSimply Business $ 14 $ 173
ContractorbiBerk $ 204 $ 2,451
CourierThe Hartford $ 181 $ 2,168
DJSimply Business $ 12 $ 138
DaycareThe Hartford $ 28 $ 334
DentalNEXT $ 13 $ 159
Dog GroomingThimble $ 36 $ 431
DronebiBerk $ 13 $ 162
EcommerceThimble $ 24 $ 294
ElectricalSimply Business $ 49 $ 588
EngineeringbiBerk $ 17 $ 201
ExcavationbiBerk $ 371 $ 4,453
FloristThimble $ 24 $ 294
FoodCoverdash $ 34 $ 406
Food TruckSimply Business $ 77 $ 926
Funeral HomeNEXT $ 47 $ 560
GardeningNEXT $ 23 $ 271
HVACThimble $ 108 $ 1,293
HandymanbiBerk $ 175 $ 2,097
Home-basedSimply Business $ 18 $ 211
Home-based NEXT $ 48 $ 581
HospitalityNationwide $ 20 $ 241
JanitorialThimble $ 42 $ 503
JewelrySimply Business $ 17 $ 208
Junk RemovalThe Hartford $ 137 $ 1,647
Lawn/LandscapingThimble $ 49 $ 590
LawyersSimply Business $ 14 $ 173
ManufacturingNationwide $ 20 $ 241
MarinebiBerk $ 25 $ 297
MassageNationwide $ 47 $ 570
Mortgage BrokerNEXT $ 17 $ 200
MovingNationwide $ 86 $ 1,035
NonprofitbiBerk $ 26 $ 316
PaintingThimble $ 43 $ 519
Party RentalbiBerk $ 70 $ 834
Personal TrainingbiBerk $ 20 $ 236
Pest ControlThe Hartford $ 27 $ 328
PetThimble $ 36 $ 431
PharmacyNationwide $ 43 $ 514
PhotographyNEXT $ 14 $ 169
Physical TherapyNationwide $ 20 $ 240
PlumbingSimply Business $ 271 $ 3,257
Pressure WashingThimble $ 429 $ 5,144
Real EstatebiBerk $ 23 $ 280
RestaurantNationwide $ 83 $ 996
RetailNationwide $ 30 $ 359
RoofingThimble $ 207 $ 2,487
SecurityHiscox $ 29 $ 353
Snack BarsCoverdash $ 78 $ 942
SoftwareSimply Business $ 14 $ 173
Spa/WellnessSimply Business $ 20 $ 240
Speech TherapistNationwide $ 20 $ 240
StartupSimply Business $ 14 $ 173
Tech/ITNEXT $ 17 $ 200
TransportationbiBerk $ 33 $ 396
TravelbiBerk $ 16 $ 190
Tree ServiceThimble $ 49 $ 590
TruckingbiBerk $ 85 $ 1,022
TutoringNEXT $ 14 $ 163
VeterinarybiBerk $ 25 $ 298
Wedding PlanningNEXT $ 13 $ 152
WeldingbiBerk $ 142 $ 1,699
WholesaleCoverdash $ 34 $ 406
Window CleaningThimble $ 42 $ 503

How Did We Determine These Rates?

Cheapest General Liability Insurance by State

Thimble offers the cheapest general liability insurance across all 50 states MoneyGeek analyzed. See which rates apply in your state below.

AlabamaThimble $ 77 $ 921
AlaskaThimble $ 72 $ 860
ArizonaThimble $ 74 $ 893
ArkansasThimble $ 75 $ 899
CaliforniaThimble $ 87 $ 1,042
ColoradoThimble $ 77 $ 929
ConnecticutThimble $ 85 $ 1,017
DelawareThimble $ 84 $ 1,007
FloridaThimble $ 84 $ 1,013
GeorgiaThimble $ 79 $ 952
HawaiiThimble $ 82 $ 987
IdahoThimble $ 74 $ 889
IllinoisThimble $ 86 $ 1,027
IndianaThimble $ 76 $ 914
IowaThimble $ 74 $ 893
KansasThimble $ 76 $ 911
KentuckyThimble $ 73 $ 875
LouisianaThimble $ 89 $ 1,070
MaineThimble $ 68 $ 810
MarylandThimble $ 75 $ 895
MassachusettsThimble $ 82 $ 982
MichiganThimble $ 74 $ 888
MinnesotaThimble $ 73 $ 880
MississippiThimble $ 78 $ 941
MissouriThimble $ 77 $ 928
MontanaThimble $ 78 $ 933
NebraskaThimble $ 74 $ 887
NevadaThimble $ 89 $ 1,065
New HampshireThimble $ 78 $ 932
New JerseyThimble $ 88 $ 1,059
New MexicoThimble $ 79 $ 942
New YorkThimble $ 89 $ 1,070
North CarolinaThimble $ 68 $ 810
North DakotaThimble $ 68 $ 814
OhioThimble $ 73 $ 871
OklahomaThimble $ 74 $ 886
OregonThimble $ 73 $ 871
PennsylvaniaThimble $ 89 $ 1,070
Rhode IslandThimble $ 86 $ 1,028
South CarolinaThimble $ 80 $ 965
South DakotaThimble $ 73 $ 877
TennesseeThimble $ 76 $ 914
TexasThimble $ 79 $ 945
UtahThimble $ 75 $ 897
VermontThimble $ 75 $ 900
VirginiaThimble $ 71 $ 855
WashingtonThimble $ 89 $ 1,063
West VirginiaThimble $ 82 $ 982
WisconsinThimble $ 77 $ 920
WyomingThimble $ 72 $ 868

How Did We Determine These Rates?

How to Get the Cheapest General Liability Insurance

Finding cheap general liability insurance comes down to making smart choices about coverage and shopping strategies. Consider these practical steps that can help lower your costs:

  1. 1

    Don't buy more coverage than you need

    $1 million per incident and $2 million total coverage limits are usually plenty unless you're in a high-risk industry. A freelance graphic designer working from home doesn't need the same $5 million limits as a construction contractor.

  2. 2

    Know what's covered and what's not

    Add only the extras you actually need. A photographer might need equipment coverage, but if you're a consultant with just a laptop, you don't need expensive property add-ons.

  3. 3

    Make sure your business type is correct

    If you're listed as a higher-risk business than you are, you'll end up overpaying. For example, a marketing consultant mistakenly classified as a general contractor pays three times more for coverage.

  4. 4

    Shop around with multiple companies

    Get quotes from at least three insurers since prices vary dramatically. A cleaning business gets a $42 monthly quote from Thimble versus a $144 quote elsewhere.

  5. 5

    Try online tools and work with brokers

    Use platforms that compare multiple carriers instantly, or call an independent agent representing several companies rather than just one.

  6. 6

    Bundle your business insurance

    Combining general liability with professional liability insurance usually costs less than buying them separately. Companies like NEXT offer 10% discounts when you bundle, saving a retail store owner around $200 annually.

  7. 7

    Consider a higher deductible

    A higher deductible (the amount you pay out of pocket before insurance coverage begins) lowers monthly payments if you can afford more. Raising it to $500 might save $20 monthly.

  8. 8

    Keep a clean safety record

    Companies like biBerk offer safety training resources, and having no claims helps you get better renewal rates. A restaurant with documented safety training qualifies for better rates than one with multiple claims.

  9. 9

    Check your policy every year

    Your business changes, and so do rates. The cheapest carrier for your startup may not offer the best rates once you have employees and higher revenue.

Cheapest General Liability Insurance: Bottom Line

While Thimble leads with the lowest rates at $78 monthly, the cheapest provider for your business depends on your situation. Finding the most affordable business insurance rates includes getting quotes from multiple insurers, exploring bundle discounts and keeping your claims record clean to unlock better rates over time.

Cheap General Liability Insurance: FAQ

Get answers to common questions about finding affordable general liability insurance for your small business. This section covers pricing factors, coverage needs and money-saving strategies.

Which provider offers the cheapest general liability insurance?

What are general liability insurance premiums based on?

What factors affect general liability insurance costs for small businesses?

What coverage limits do most small businesses need?

How do I compare general liability insurance quotes effectively?

Which states have the cheapest general liability insurance rates?

How long does it take to get general liability insurance coverage?

What's not covered by cheap general liability insurance?

Do I need general liability insurance if I work from home?

How do I know if I'm getting a good deal on general liability insurance?

Can I cancel my general liability insurance anytime?

How We Chose the Cheapest Small Business Insurance Companies

We focused our research exclusively on affordability, analyzing which providers offer the lowest general liability premiums for small businesses.

Every quote used identical parameters to ensure fair comparisons:

  • Two employees (three people in total, including the owner)
  • $150,000 annual payroll
  • $300,000 annual revenue
  • Already insured status
  • $1 million/$2 million aggregate coverage

This profile represents cost-conscious small businesses that need workers' comp in most states but prioritize saving money on premiums. We chose companies offering broad national coverage and online quote capabilities.

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!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


Copyright © 2025 MoneyGeek.com. All Rights Reserved