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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.
If youâre sued, general liability insurance will cover the cost of your damages or settlement fees and attorney fees up to the policy maximum. So, if you buy a $1 million policy and the settlement is $1.5 million, youâll be on the hook for the remaining $500,000.ontractorsâ General Liability Insurance Average Costs. Contractors pay more for general liability insurance than many other types of businesses due to the risky nature of the work. (Faulty plumbing or electrical work could lead to damages or a child could wander onto the construction site and be injured).