The cost of liability insurance for a small business varies widely depending on factors such as the type of business, size, location, coverage limits, and claims history. However, here are some typical cost ranges and averages for 2025:

• General liability insurance typically costs between $40 and $100 per month ($480 to $1,200 annually) for most small businesses. Low-risk businesses may pay around $200 to $400 annually for $100,000 coverage limits, while higher-risk businesses with more public interaction pay more.
• A business owner's policy (which bundles general liability and property coverage) averages about $57 per month or $684 annually.
• Public liability insurance for small businesses averages about $39 per month.
• Overall small business insurance, which may include multiple coverages such as liability, professional indemnity, workers' compensation, and property insurance, often costs between $500 and $1,000 per year but can vary significantly based on coverage and business specifics.
• Some individual types of coverage pricing:
  • General liability: $42–$80/month
  • Professional liability (errors and omissions): $61–$100/month
  • Workers' compensation: $45–$50/month
  • Commercial auto insurance: $147–$270/month

Small businesses paying for general liability insurance can expect an average monthly cost around $42 to $104 depending on industry risk and location, with total insurance cost averaging around $1,200 annually for typical coverage needs. These estimates demonstrate that liability insurance for a small business can be as low as about $30-$40 per month on the low end, but most businesses see typical monthly costs in the range of $40 to $100 depending on their specific risk profile and insurance needs.