The cheapest General Liability Insurance

In 2025, General Liability insurance rates are highly competitive. For most small businesses, "cheap" means a monthly premium between $11 and $30, though the median cost for standard $1M/$2M coverage sits closer to $42–$60 per month.

Here are the companies currently offering the lowest rates for General Liability in the United States:

Top 5 Cheapest General Liability Companies (2025)

CompanyLowest Monthly Starting RateBest For...NEXT Insurance$11Direct online purchase for 1,300+ professions.Thimble$11Short-term/Gig workers (hourly, daily, or monthly).Simply Business$21Comparing quotes from multiple low-cost carriers.biBERK$27Direct-to-business savings (up to 20% off).CoverWallet$39Small businesses needing "pay-as-you-go" models.

Average Costs by Industry (Low to High)

Your "Class Code" (industry) is the biggest factor in your price.1 Low-risk businesses naturally pay less than manual labor trades.2

• Low-Risk ($25 – $45/mo): Accountants, IT consultants, photographers, and architects.

• Moderate-Risk ($45 – $75/mo): Retail stores, landscapers, and beauty salons.

• High-Risk ($80 – $150+/mo): General contractors, roofers, and restaurant owners.

5 Ways to Lower Your Premium

1. Increase Your Deductible: Most small businesses choose a $500 deductible.3 Increasing this to $1,000 or $2,500 can lower your premium by up to 15%.

2. The 10% Bundle Discount: If you need more than just liability (like Property or Workers' Comp), bundling them into a Business Owner’s Policy (BOP) typically saves you 10% on the total cost.

3. Pay Annually: Most providers like The Hartford and NEXT offer a significant discount (often 1 free month) if you pay for the full year upfront instead of monthly.4

4. Verify Your Revenue Estimates: Premiums are often based on your projected revenue. If you overestimate your sales, you might be overpaying.

5. Use a Broker for Niche Risks: If you are in a high-risk trade (like tree removal or crane rigging), "cheap" online carriers might decline you. In this case, an independent agent can find a specialized insurer that offers a better rate than a generalist.

Quick Comparison Checklist

• For Instant Proof of Insurance: Choose NEXT or Thimble.5

• For Financial Strength: Choose biBERK (backed by Berkshire Hathaway) or Travelers.6

• For Comparison Shopping: Use Simply Business or Insureon.