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On average, the annual cost of General Liability Insurance, regardless of policy limits, was just $741 (less than $62 per month), with a median price of $428 (about $36 per month). Most small-businesses owners (54 percent) paid between $400 and $600 for their policies. Another 21 percent paid less than $400.
General Liability: Coverage Limits Affect Cost. If you want car insurance that pays for a wide range of damage, you have to pay more for it. The same rule applies to business insurance: if you want a policy with higher coverage limits, expect to pay more than you would for bare-bones coverage.nother 23.5 percent pay between $200 and $400, meaning that 80 percent of our customers pay $600 or less per year for coverage. The average cost of a $1M / $2M GL policy is just $576.08 per year, and the median is $425. See the chart below for a full breakdown of the cost of $1M / $2M GL coverage.