General Liability Insurance Calculator
Calculate estimated general liability insurance premiums based on your industry, revenue, location, and coverage needs.
General Liability Insurance Calculator
Estimate annual and monthly premium ranges using industry and state modifiers.
Enter your business details
Your Results
Breakdown
How this insurance calculator works
The General Liability Insurance Calculator in figflows is designed to give you a fast and practical estimate without requiring an account or sending your data to a server. You can explore different scenarios by changing inputs and immediately seeing how the outputs respond.
We keep the experience static-first and SEO-friendly: the page content is pre-rendered at build time, and only the calculator itself runs on the client. That approach keeps the site fast while still delivering interactive results.
Use this page as a planning tool: start with realistic inputs, then adjust one variable at a time to understand what matters most. If you’re using this calculator for budgeting, it’s often helpful to run a “best case,” “expected,” and “worst case” scenario and compare the deltas.
Quick steps
- Enter your inputs in the form above. You can adjust values to compare scenarios.
- We compute results instantly in your browser (no server calls), so your inputs stay on your device.
- Use the output cards to understand the “headline” result, then review the breakdown/table for details.
Limitations & important notes
Insurance pricing varies by carrier, underwriting, and coverage details. This calculator is an estimate meant to help you plan.
For the most accurate outcome, confirm assumptions (rates, fees, coverage details, and thresholds) against current official sources or provider documents. We’ll continue improving the underlying reference datasets over time.
Practical guidance for General Liability Insurance Calculator
What this calculator tells you
General liability insurance is often the “baseline” policy for small businesses because it helps cover common third‑party claims like customer injuries or property damage. This calculator is designed to help you create a realistic budget range so you can plan cash flow and compare quotes with confidence.
If you’re bidding jobs, signing a lease, or onboarding a new client, you’ll often see minimum coverage requirements. The estimate here helps you sanity-check what a $500k, $1M, or $2M policy might cost for your revenue and industry profile.
Inputs that typically drive price
- Annual revenue: more activity usually means more exposure.
- Industry risk: higher-risk work tends to increase premium.
- State: pricing and underwriting can vary by jurisdiction.
- Coverage limit: higher limits generally cost more.
- Claims history: past claims can increase cost and reduce options.
How to use the result
Use the estimated monthly and annual premium as a planning number, then request 2–3 quotes with matching limits so you’re comparing apples to apples. If you’re price-sensitive, test scenarios: lower revenue (startup year), higher revenue (growth year), and different limits.
If a quote comes back much higher than the estimate, it’s usually due to underwriting details not captured here (specific job types, subcontractors, prior losses, additional insured requirements, or higher-risk contract language).
General Liability Insurance FAQ
What does general liability insurance cover?
General liability insurance can help cover third-party claims for bodily injury, property damage, and personal/advertising injury.
How is the premium estimated?
Premium estimates typically depend on industry risk, revenue, location, coverage limits, and claims history. Our calculator uses these factors to generate a planning estimate.
Is general liability insurance required?
Often not required by law, but it may be required by clients, landlords, or contracts. Requirements vary by state and business type.
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