9 insurersFigures checked 2026-10-26
General liability insurance cost for contractors, by trade
General liability is the policy clients ask for on a certificate of insurance (COI). Here is what each insurer publishes: starting prices, what customers in each trade paid, and dated sample quotes.
We are not an insurance agent. Prices are what each company publishes; your quote will differ. Premiums depend on your trade, state, payroll, limits, deductible, vehicles and claims history. We never produce quotes.
Affiliate disclosure: Some insurers run affiliate programs. Every insurer link on this page is a plain link to the company’s own site today; if we join a program, those links will be marked sponsored. It never changes the figures or the order we show. Details
What contractors paid, by trade
Each column is one insurer’s own customer figure for that profession, with its own label: ERGO NEXT publishes averages, Simply Business and Insureon publish medians. Read across a row, not down a column; the columns are not sorted.
| Trade | ERGO NEXTAverageERGO NEXT customers by profession | InsureonMedianContractors (25,000+ customers); page updated Aug 10, 2026 | Simply BusinessMedianCustomers Jul-Dec 2025 |
|---|---|---|---|
| General contractors | Average$210/moGeneral contractor · Source | Median$162/moGCs · Limits typical $1M/$2M · Deductible $250 · Source | Median$82/moGeneral contractor · Source |
| Remodelers | Not published | Not published | Median$85/moRemodeler · Source |
| Carpenters | Average$145/moCarpenter · Source | Not published | Not published |
| Handyman | Average$95/moSource | Not published | Median$51/moHandyperson · Source |
| Electricians | Average$120/moElectrician · Source | Median$61/moLimits typical $1M/$2M · Deductible $250 · Source | Median$36/moElectrician · Source |
| Plumbers | Not published | Median$147/moLimits typical $1M/$2M · Deductible $250 · Source | Not published |
| Painters | Not published | Median$72/moLimits typical $1M/$2M · Deductible $250 · Source | Not published |
| Cleaning & janitorial | Average$60/moHouse cleaner · SourceAverage$75/moJanitorial · Source | Not published | Median$41/moJanitorial · SourceMedian$29/moHousekeeping · Source |
| Landscaping & lawn care | Not published | Not published | Median$33/moLandscaping · Source |
| Property managers | Average$86/moProperty manager · Source | Not published | Not published |
Published starting prices
Insurers listed A–Z, not ranked.
| Insurer | Published figure |
|---|---|
| biBERKDirect insurer (sells online) | From$27.50/moSource |
| ERGO NEXTDirect insurer (sells online) | From$19/moSource |
| HiscoxDirect insurer (sells online) | From$30/moLimits $300,000 to $2,000,000 · Source |
| ThimbleManaging general agent (MGA) | From$17/moDeductible $0 to $1,000 · Source |
What customers paid overall
Insurers listed A–Z, not ranked.
| Insurer | Published figure |
|---|---|
| ERGO NEXTDirect insurer (sells online) | AveragePublished by profession only: see GL cost by tradeERGO NEXT customers by profession · Source |
| InsureonOnline agency (compares insurers) | Median$83/moContractors (25,000+ customers); page updated Aug 10, 2026 · Limits typical $1M/$2M · Deductible $250 · $990/yr as published · Source |
| Progressive CommercialInsurer | Median$55/mo2025 national; average $79/mo · Source |
| Simply BusinessOnline agency (compares insurers) | Median$44/moCustomers Jul-Dec 2025 · Source |
| The HartfordInsurer | Average$68/moThe Hartford customers (page updated 05/20/2026) · $810/yr as published · Source |
| ThimbleManaging general agent (MGA) | Average$42/mo$504/yr as published · Source |
Simply Business 10th percentile
Insurers listed A–Z, not ranked.
| Insurer | Published figure |
|---|---|
| Simply BusinessOnline agency (compares insurers) | From · 10th pct$20.75/moSource |
From · 10th pct Simply Business “from” figures are the 10th percentile of the policies it sold, not a floor: one in ten customers paid less, nine in ten paid more.
Sample quotes
Real quotes published by Simply Business. Each sample is one business in one state with the limits and deductible shown. Yours will differ.
| Insurer | Business | State | Limits | Deductible | Sample quote | Kind / date |
|---|---|---|---|---|---|---|
| Simply BusinessGeneral liability | Electrician (LLC) | CA | $1M/$2M | $0 | Sample quote$67/mo | Real quote, May 2026Source |
| Simply BusinessGeneral liability | Lawn care (sole prop) | TX | $1M/$2M | $0 | Sample quote$47/mo | Real quote, May 2026Source |
| Simply BusinessGeneral liability | Handyperson (LLC) | OH | $1M/$2M | $0 | Sample quote$116/mo | Real quote, May 2026Source |
Hiscox’s published sample quotes are for consultants, not trades, so they are not shown here. See NEXT vs Hiscox.
GL limits buyers choose
91% of GL buyers choose $1M/$2M (Insureon). Hiscox publishes limits of GL $300,000 to $2,000,000; medical expenses up to $5,000/person.
More business insurance costs
- Business insurance hub
- Workers’ comp cost
- Commercial auto cost
- Tools & equipment + BOP vs GL
- Handyman insurance cost
- Cleaning business insurance cost
- Landscaping insurance cost
- NEXT vs Hiscox
- Hiscox vs biBERK (+ NEXT)
- NEXT vs Thimble vs Simply Business
All figures from each company’s own pages, checked 2026-10-26. We are not an insurance agent and do not sell or recommend coverage; check what your state and your clients require. How we check prices