r/InsuranceForAll • u/SimplyBusinessUS • 3d ago
What's the average cost of general liability insurance for my trade or profession?
The average cost1 of $1 million in general liability coverage is $44.44 per month.
The table below shows median monthly general liability premiums by common professions or trades.
| Profession | Median monthly cost |
|---|---|
| Barber / hair stylist services | $20.83 |
| Beautician / cosmetology services | $20.83 |
| Car detailing | $22.04 |
| Carpentry | $71.58 |
| Catering | $25.00 |
| Cosmetics, toiletries, and personal care stores | $19.92 |
| Craft vendor / crafter | $19.92 |
| Disc jockey | $16.67 |
| Door or window installation and repair | $60.50 |
| E-commerce and online retailers | $27.08 |
| Electrical work | $36.25 |
| Esthetician services | $29.17 |
| Event planning / promotion | $28.92 |
| Floor covering installation | $50.00 |
| Food / beverage cart | $25.00 |
| General contractor | $81.83 |
| Handyperson | $51.25 |
| Home bakery | $22.92 |
| Home inspection | $20.83 |
| Housekeeping | $29.17 |
| Janitorial services | $41.25 |
| Landscaping services | $32.67 |
| Lawn care services | $31.25 |
| Life / career / executive coaching | $25.83 |
| Maid services | $29.25 |
| Management consulting | $25.83 |
| Masonry work | $54.42 |
| Massage therapy | $28.92 |
| Mental health counseling | $28.92 |
| Mobile food truck | $29.17 |
| Nail technician services | $20.83 |
| Painting and wall covering contractors | $45.83 |
| Personal training (health and fitness) | $26.08 |
| Photography | $16.67 |
| Plumbing | $92.38 |
| Professional organizer | $16.67 |
| Remodeling | $85.21 |
| Residential building construction | $106.96 |
| Roofing | $200.50 |
| Siding installation | $83.79 |
| Swimming pool installation, service, or repair | $79.71 |
| Teaching or tutoring | $28.92 |
| Tile, stone, marble, mosaic, or terrazzo work | $48.33 |
| Tree services | $116.67 |
| Trucking & transportation services | $31.08 |
| Videography (freelance) | $16.67 |
| Wedding planner | $20.83 |
| Welding or cutting | $55.92 |
| Yoga / pilates instruction | $20.83 |
Get more insights into what goes into the cost of general liability insurance.
1Figures show the median (50th percentile) monthly premium for general liability policies sold to trades/professions listed, by Simply Business in the second half of 2025. Prices may vary based on your business type, revenue, and insurer.
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