Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 22, 2026.
GENERAL LIABILITY
Business/Professional Services $20/month for general liability
WHY IT MATTERS
Why Business/Professional Services need business insurance
Professional service businesses can face claims involving client work, visitor injuries, employee accidents, damaged property and compromised data. Different policies address different risks, so coverage should reflect how your business operates.
SCENARIO 1
A visitor is injured
A client slips in your office and alleges an injury. General liability insurance may help with covered medical expenses, legal defense and damages.
SCENARIO 2
A client alleges an error
A client claims your advice or work caused a financial loss. Professional liability insurance may help address a covered claim and related defense costs.
SCENARIO 3
An employee is hurt
An employee is injured while performing work duties. Workers' compensation insurance may help with covered medical care and wage replacement.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Services provided
Specialized services or work with greater potential for client loss may lead to a higher quote.
Business revenue
Higher revenue can indicate more client activity and may increase the cost of coverage.
Number of employees
A larger team can increase payroll and workplace exposure, which may raise certain coverage costs.
Claims history
Prior claims may contribute to a higher quote, while a history without claims may be viewed more favorably.
Business property
More equipment, furniture or office property to insure can increase property coverage costs.
Vehicles and driving
More business-owned vehicles, drivers or time on the road may increase commercial auto costs.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
For a national business, rates and requirements can vary by state, operating location and carrier.
State requirements
Insurance requirements vary by state, particularly for businesses with employees or vehicles.
Operating locations
Working across multiple states or maintaining several offices can add exposures that affect a quote.
Location-specific exposure
Property conditions, theft exposure and weather-related risks at each location may affect property coverage costs.
3,115
Quotes analyzed
51
States represented
10
Coverage lines
BEST RATE
How to get the best rate
Describe your services precisely
Give a clear account of your work, clients and contracts so the quote reflects your actual operations.
Gather accurate business details
Review revenue, payroll, employee counts, property values and vehicle information before requesting a quote.
Review contracts first
Check client and landlord agreements for coverage types, limits and certificate requirements.
Document risk controls
Keep records of employee training, cybersecurity practices, safety procedures and contract review processes.
FAQ
Common questions
What types of business insurance may professional service firms need?
The right coverage depends on your services, employees, property, vehicles and contracts. Options may include general liability insurance, professional liability insurance, workers' compensation insurance, commercial property insurance, cyber liability insurance and commercial auto insurance.
What is the difference between general liability and professional liability insurance?
General liability insurance addresses covered claims such as third-party bodily injury or property damage, while professional liability insurance addresses covered claims involving errors, omissions or professional services. Many service businesses consider both because they respond to different risks.
What does a business owners policy cover?
A business owners policy generally combines eligible liability and property coverages in one policy. Available coverages and eligibility vary by carrier and business operations.
Do I need workers' compensation insurance for my employees?
You may need workers' compensation insurance if your business has employees. Requirements vary by state, so review the rules that apply wherever your employees work.
How can I request business insurance coverage?
Start by providing accurate details about your services, revenue, payroll, employees, property, vehicles and prior claims. At Tivly, we help connect business owners with a licensed insurance partner based on the realities of their work.