Business liability insurance costs vary depending on factors such as business size, industry, coverage limits, location, and claims history. Here are some typical costs in 2025:

• For small businesses in the UK, liability insurance can start as low as £80 per year, with average costs around £220 to £350 annually. This varies widely based on business specifics and coverage needed (e.g., professional indemnity, public liability).

• In the US, general liability insurance costs about $60 per month on median ($824 annually), with a range depending on state and business profile. Professional liability can cost around $42 per month on median. Worker’s compensation is around $80 per month on average. These rates are based on typical coverage limits of $1 million per claim and $2 million aggregate (for a small business with a few employees and $300,000 revenue).

• Another US source indicates general liability insurance averages about $42 per month, or around $500 per year.

In summary, expect small business liability insurance costs roughly:

• UK: £80 to £350+ per year
• US: Around $500 to $1,200+ per year depending on type and amount of coverage

Actual costs depend strongly on your business size, industry risk, location, and specific coverage needs. Getting tailored quotes from insurers is recommended for precise pricing.