The cost of Commercial General Liability solely depends on the line of business. Assume you are welding in the military or oil and gas site then, the premium will be high compared with a janitorial working for a commercial office. Another factor that impacts the premium will be the annual revenue, industry, number of employees, and claims ratio from industry peers doing similar jobs. We have seen that the owner's credit score may also impact the premium. Based on our experience, the standard general liability policy for a low-exposure job is surprisingly affordable. Most policies cost less than 1,000 per year. A million policy costs 0 to 1,000 per year. At the same time, a million more worth of coverage will cost an average of 100. Again, these are for references only and subject to many variables, and it goes on a case-by-case basis. Please click below for a more accurate quote.