Cheap General Liability Insurance

We found these providers to have the cheapest general liability insurance on average:

1. The Hartford : Often cheapest for most professional service and office-based businesses (finance, tech, marketing)
2. ERGO NEXT: Often cheapest for hands-on, operational service businesses (Contractors, Food & Beverage, Transportation)
3. biBERK: Often cheapest for sole proprietor service businesses (cleaning, fitness, recreation).

>>(Click Each Provider To Learn More)

Your most affordable commercial general liability insurance provider and monthly rate can vary widely based on your specific business details. So, use these companies as a starting point, not a final answer.

If you want to dig in deeper into the cheapest general liability insurance for your industry, we've left dedicated resources below.

You can dig in deeper into your state specific cheapest general liability insurance with the resources below.

The cheapest general liability insurance policy can be a smart choice as long as it still protects your business properly. The lowest-cost option is safest when the following criteria are met:

• Coverage limits match your actual risk exposure (and any contract requirements)
• Deductibles are affordable, so you can pay them if you ever file a claim
• Coverage add-ons and endorsements (if needed) are available at a reasonable cost
• The provider has a strong customer experience reputation, including the buying process, policy management, and claims handling

Ultimately, the goal isn’t to choose the cheapest policy at all costs, it’s to choose the most affordable option that still meets your coverage needs. However, if your budget only allows for the lowest-cost policy, you may need to accept tradeoffs (like lower limits or fewer add-ons) and plan to upgrade coverage as your business grows.

Is The Cheapest Right For Your Business?:

• Yes: Get matched to cheapest providers
• No: How to get cheaper coverage without sacrificing protection

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

There’s no single cheapest general liability insurance company for every business. The cheapest option depends on your industry, state and business size and the lowest-priced policy only works if it still meets your contract requirements and protects you from real risk exposure. Use our recommendations to narrow your options, compare quotes apples-to-apples to confirm who’s truly cheapest for your business and ensure you’re choosing the lowest-cost option that still meets your coverage needs.

If you're ready to get quotes: Get matched

Want To Confirm Your Cheapest Option? Get Matched To Your Cheapest Provider

If you want the most accurate cheapest general liability insurance answer for your business, compare quotes for your profile using the same limits (apples-to-apples). You can get a personalized match below based on your industry and state below to start your comparison journey.

If you're still unsure, we've also provided resources to ensure you're feeling confident in your purchasing decision and to learn more about other options.

To identify the cheapest general liability insurers, we analyzed real pricing data from 10 major providers and modeled a large set of standardized pricing estimates across common U.S. small business profiles.

Dataset scope and assumptions

• Providers analyzed: 10 major insurance providers
• Industries covered: 408 industries
• Geography: all U.S. states and territories (including Washington, D.C.)
• Employee count bands: 0, 1–4, 5–9, 10–19 and 20–49 employees (95% of market)
• Policy baseline: standard $1 million per occurrence / $2 million aggregate general liability policy
• Pricing estimates modeled: just over 1 million total estimates

We also incorporated modeled average revenues and payrolls across business profiles to improve pricing accuracy.

How we determined which provider was “cheapest”

We used this dataset to determine which insurers were most often the lowest-cost option across different business profiles. Our “cheapest” rankings include both:

• General Recommendation: Provider rankings based on average estimated pricing for a standardized 1–4 employee business profile across all industries and states in our dataset.
• Factor Combination Recommendations: Provider rankings based on which insurer was most often cheapest within specific business factor combinations. For example:
  • Industry × State pricing was compared using a standardized 1–4 employee profile
  • Employee count affordability was derived by comparing aggregated pricing trends across industries and states

Important note: These results represent standardized pricing estimates, not personalized quotes. Actual pricing can vary based on your business classification, revenue/payroll, claims history and the specific limits, deductibles and endorsements you choose. For the most accurate cheapest-provider answer, we recommend comparing quotes apples-to-apples using the same coverage limits.

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