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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.
However, general liability insurance is still affordable. Most contractors pay from $700 to $1,200 per year for general liability insurance. The payments are usually structured as a down payment of several hundred dollars and monthly payments spread out over nine or ten months.