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General Liability Insurance Calculator

Estimate general liability insurance cost by industry, revenue, and limits — what a $1M/$2M policy costs for contractors, retail, and offices.

Short answer

General Liability Insurance Calculator

$3,010Estimated annual premium

GL prices mostly off revenue and industry class code — trades pay 2–4× office rates because they work on other people's property with power tools. Most landlords and client contracts require $1M/$2M limits and a certificate of insurance — this policy is what generates them. GL covers third-party bodily injury, property damage, and advertising injury — never your own work quality or professional advice (that's E&O).

How it's calculated: $1,000,000/occurrence GL for a retail/food business at $500,000 revenue. Adjust the inputs below to recalculate for your own numbers.

Disclaimer: Estimates only — not insurance, financial, or legal advice. Actual premiums depend on underwriting, state, carrier, claims history, and credit-based insurance score where permitted. Get quotes from licensed agents before buying coverage.

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Annual revenue ($)$500,000

Industry (1 = office/professional, 2 = retail/food, 3 = trades/construction)2

Employees4

Per-occurrence limit ($)$1,000,000

$1M/$2M is the standard ask on contracts.

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Related calculators

Workers' Comp Professional Liability Business Owner's Policy

Formula used

GL premium ≈ base + revenue × industry rate

General liability is rated on class code (industry), revenue or payroll, and claims history, subject to annual audit. The $1M per-occurrence / $2M aggregate structure is the market standard — most commercial leases and client MSAs name exactly those limits.

Annual = $350 base + revenue × (0.25–0.9% by class) + employee loading × limit factor

Median small-biz GL

~$500–900/yr

Standard limits

$1M / $2M

Trades vs office

2–4×

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GL vs BOP vs E&O — which policy does what

General liability covers injuries and property damage you cause others. A Business Owner's Policy (BOP) bundles GL with commercial property (your equipment, inventory, business interruption) at a discount — usually the right buy if you have a physical location or meaningful equipment. Professional liability (E&O) covers financial harm from your advice or work product — GL explicitly excludes it. Many businesses need GL+BOP plus E&O.

• Premium audits happen annually — keep revenue and sub-cert records clean.
• Additional-insured endorsements for clients/landlords are routine and usually free or ~$50 each.
• Claims-made vs occurrence matters for E&O; GL is almost always occurrence.

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FAQ

How much does general liability insurance cost?

The small-business median is $500–900/year for $1M/$2M limits. Low-risk office businesses can pay under $400; contractors typically pay $1,000–3,000+, and roofing or structural trades considerably more. Revenue and class code drive the price.

What does general liability NOT cover?

Your own employees' injuries (workers' comp), your professional advice or work quality (E&O), your vehicles (commercial auto), your property (BOP/property), and cyber incidents (cyber liability). GL is specifically third-party bodily injury, property damage, and advertising injury.

Is general liability required by law?

Rarely by statute (except some contractor licensing), but effectively yes: commercial leases, client contracts, and licensing boards routinely demand $1M/$2M with a certificate of insurance before you can start work.

How this calculator is built

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Written by Sam Doshi and the RevenueLab editorial team. We don't sell the data feeds this tool is built on.

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Reviewed on a rolling quarterly cycle. Dated reviews are published on the methodology record for each calculator.

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See our editorial policy and disclaimer. Results are estimates, not advice.

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