Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 8, 2026.
GENERAL LIABILITY
Independent Practitioners $29/month for general liability
WHY IT MATTERS
Why Independent Practitioners need business insurance
Independent practitioners can face client claims, professional allegations and damage to business property. The right coverage mix helps address the risks that come with providing services on your own.
SCENARIO 1
A client is injured
A client slips in your office and alleges an injury. General liability insurance may help with covered medical expenses, legal defense and settlements.
SCENARIO 2
Your work is challenged
A client alleges that an error in your professional services caused harm. Professional liability insurance may help cover the defense and covered damages.
SCENARIO 3
Business property is damaged
Equipment or furnishings are damaged by a covered event. Commercial property insurance may help pay to repair or replace covered items.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Services you provide
Higher-risk or more complex professional services can lead to a higher quote than services with more limited exposure.
Business size
More clients and greater business activity can increase exposure and may raise the cost of coverage.
Employees and payroll
Adding employees or increasing payroll can raise workers' compensation and other coverage costs.
Workplace and equipment
A larger office or more valuable equipment can increase the amount of property exposure a carrier evaluates.
Coverage choices
Broader coverage, higher limits or lower deductibles can increase your yearly cost, while narrower choices may leave more risk with your business.
Claims history
Prior claims can lead to a higher quote, while a record with fewer claims may be viewed more favorably by a carrier.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: $100K–$499K
National data
National rate factors
Rates and requirements vary by state and by carrier.
State requirements
The coverage your practice needs may depend on the state where you work and the rules that apply to your business.
Practice location
Working from home, leasing an office or operating at multiple sites changes the property and liability exposures considered in a quote.
Service territory
Traveling to clients or serving clients across state lines can add exposures that a carrier may evaluate differently.
373
Quotes analyzed
44
States represented
6
Coverage lines
BEST RATE
How to get the best rate
Describe your services clearly
Give a precise account of what you do, who you serve and where you work so your business is classified accurately.
Prepare current business details
Gather revenue, payroll, employee, property and vehicle information before requesting a quote.
Match coverage to your obligations
Review client contracts, leases and other agreements before selecting coverage types and limits.
Document risk controls
Keep records of safety procedures, client agreements, training and incident-response practices to share when requested.
FAQ
Common questions
What business insurance should an independent practitioner consider?
The right mix depends on your services and business setup. Common options include general liability insurance, professional liability insurance, workers' compensation, commercial property insurance, commercial auto insurance and a business owners policy.
Is business insurance required for independent practitioners?
It may be required depending on state rules, contracts, leases or whether you have employees. Requirements and appropriate limits vary, so review the obligations that apply to your practice.
Does general liability insurance cover professional mistakes?
General liability insurance generally addresses third-party bodily injury, property damage and related claims, not allegations about professional services. Professional liability insurance is designed for covered claims involving errors, omissions or professional negligence.
What is a business owners policy?
A business owners policy combines selected business coverages in one policy. The included protections, eligibility rules and available options vary by carrier.
How can I request a business insurance quote?
You can get a free business insurance quote through Tivly. Be ready to describe your services, business location, revenue, employees, property, vehicles, claims history and requested coverage.