General Liability insurance calculator

See what businesses like yours can expect to pay for coverage

Use this tool to get a basic estimate of your general liability insurance costs. If you like what you see, you can get a detailed quote tailored for your business.


Price calculator

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Coverage starting at


This is the minimum cost of general liability coverage for your business type and location. To determine eligibility and a final price, start a detailed quote.

How to use our General Liability calculator

We use our database and AI-driven underwriting technology to estimate how much you might pay for general liability insurance.

How to use our calculator:

  1. Enter your location — Use the drop-down menu to select the state where you do most of your work.
  2. Select the type of work you do — The second drop-down menu has a list of industries. Select the one that is the closest match to what your business does.

After you take those two steps, you should see an estimate of your monthly general liability insurance expenses based on what other similar businesses in your area pay.

To get a quote tailored to your specific business operations, click the “Start Detailed Quote” button. We’ll ask you to share a few more details about your business, including:

  • Number of employees
  • Your business name and location
  • The type of work you do
  • Your expected revenue

When you are finished, you’ll see a detailed description of your general liability insurance quote with policy limits. And you can instantly purchase coverage.

We’ll also provide recommendations for other types of coverage that could be a good fit for your business, such as workers’ compensation or commercial property insurance.

What businesses typically pay for General Liability insurance

General liability can cost as little as $11 for some low-risk businesses. About 50% of NEXT customers pay less than $25 monthly.**

The difference between cheap business insurance and more expensive options depends on a variety of factors, including:

  • How high you set your limits — If you want more coverage, you’ll typically need to pay a higher premium.
  • Your business operations — Low-risk businesses generally have lower insurance costs because they are less likely to have a serious insurance claim. Higher-risk jobs, such as construction contractors, typically pay more for insurance because there is more potential for an injury or property damage.
  • Your insurance claims history — If your insurance history includes a previous claim, you might have to pay more for coverage with a new policy.

Learn more about general liability insurance costs.

How NEXT can help your business

NEXT’s mission is to make protecting your business as simple and painless as possible with fast, affordable and tailored business insurance.

Our process is 100% online, so you can get the coverage you need in one quick visit.

You can complete our application, see policy options, buy coverage and get your live certificate of insurance in less than 10 minutes.

Get your free instant quote today.

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Business insurance in less than 10 minutes

Get insurance in less than 10 minutes and you can save up to 25% in discounts*

Tailored business insurance

Unique, flexible coverage with easy monthly payments

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Let’s find the coverage you need for your business

Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.

General Liability insurance
General Liability

Protect yourself from accidents that cause physical injury or damaged property.

Professional Liability or Error and Omissions Insurance
Professional Liability/E&O

Shield yourself from lawsuits that claim your work errors caused financial losses.

Workers' Compensation Insurance
Workers’ Compensation

Cover medical bills and lost wages if your employees have an accident at work.

Commercial Auto Insurance
Commercial Auto

Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.

Tools & Equipment Insurance
Tools & Equipment

Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.

Commercial Property Insurance
Commercial Property

Keep your building, inventory and equipment protected from fire or water damage.

Business Owner’s Policy Insurance
Business Owner’s Policy

Combine general liability and commercial property into one policy to protect your business.

Take a look at some helpful blog posts
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Why landlords require you to have commercial lease insurance

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
** The cost data presented here are based on NEXT active customers in the U.S. who purchased general liability insurance over the previous 12 months. These data should not be considered a substitute for obtaining a quote specific to your business. These data were updated in November 2022.
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.