General Liability Insurance Cost by Industry
Industry classification is the single largest driver of GL premium. Pick your industry below for a deep cost guide covering sub-types, common claims, COI requirements, and adjacent coverages you may also need.
Contractors
General contractors plus 7 sub-trades
Restaurants
Plus liquor liability add-on $500-$1,500
Landscaping
Tree work and hardscaping at the high end
Cleaning
Residential, commercial, and specialty
Retail
Brick and mortar plus e-commerce
Handyman
Classification matters; state thresholds explained
Trucking
Premises only; commercial auto separate
Consultants
GL is small; E&O is the larger purchase
Electricians
License tier and PCO drive the rating
Plumbers
Water-damage severity is the main driver
HVAC contractors
EPA refrigerant exposure plus combustion risk
Photographers
Venue COI is the primary purchase driver
Fitness studios and gyms
Liability waivers do not replace insurance
Salons and spas
Med-spas a separate insurance category
IT services and MSPs
Tech E&O and cyber are the bigger spend
Accountants and bookkeepers
Professional liability is the larger line
Daycare and childcare
Abuse and molestation rider mandatory
E-commerce and online retail
Amazon FBA seller insurance required