The table below illustrates the average costs for standard liability coverage across various common industries. Industry Type Avg. Monthly Cost Avg. Annual Cost $29 – $60 $350 – $720 Retail Stores $58 – $125 $700 – $1,500 Restaurants / Food Service $60 – $208 $720 – $2,500 Construction / Contractors $75 – $417 $900 – $5,000 Manufacturing $80 – $200 $960 – $2,400 Sources: Top Providers & Where to Get Quotes

Most modern carriers provide instant online quotes, often allowing for same-day coverage.

For 2026, general liability insurance typically costs small businesses between . Rates vary significantly based on your specific industry risk, business size, and location. Market Price Benchmarks (2026)