Best General Liability Insurance for LLC in 2026

Affiliate disclosure: Dareable earns a commission when you purchase coverage through links on this page. This does not affect our recommendations.

An LLC protects your personal assets from business debts and most lawsuits. It does not protect your business assets from a liability claim. If a client sues your LLC for property damage or bodily injury and wins, your business bank account, business equipment, and business contracts are all exposed. That is the gap GL covers.

For an LLC with no employees and modest revenue, GL is often the only commercial insurance you need. The cost is low enough that the question is not whether to buy it, but which carrier to choose.

Quick Summary

Provider	Best For	Monthly Cost (Sole Member LLC)
Next Insurance	Digital-first LLCs wanting fast coverage	$25/mo
Hiscox	LLCs with higher revenue or professional service exposure	$35/mo
Thimble	LLCs with project-based or seasonal operations	$17/mo per project
biBerk	Budget-conscious LLCs in low-hazard industries	$22/mo
Simply Business	Comparing quotes from multiple carriers	Varies

Cost estimates for a single-member LLC in Texas with $100,000 annual revenue, $1M/$2M limits. Your quote will vary by industry, state, and revenue.

Why We Picked These Providers

These five cover the range of LLC owners from freelancers and consultants to contractors and small service businesses. We excluded carriers that primarily sell through brokers (which adds cost without adding value for straightforward GL), carriers with limited digital COI issuance, and carriers that decline the most common LLC industries.

Provider Reviews

Next Insurance

Next Insurance offers GL built specifically for small business owners and sole proprietors. The application asks about your industry, revenue, and number of employees. Most LLCs get a quote under five minutes and can purchase and download a certificate of insurance immediately.

Best for: Single-member and small LLCs (under 5 members) in service businesses, trades, and professional services. Businesses that need COIs quickly for clients or contracts.

What it costs: $25 to $60 per month for most single-member LLCs. Revenue and industry drive cost more than legal structure: an LLC doing landscaping pays similar rates to a sole proprietor doing the same work.

One thing to watch: Next Insurance's policy is not an ISO CGL form. For LLCs that need to satisfy contract requirements specifying "ISO CGL" or "occurrence-based standard form," confirm the policy form meets those requirements before purchasing.

Affiliate link: Get a quote from Next Insurance

Hiscox

Hiscox provides GL and professional liability coverage for a wide range of LLC types. They have been in the US small business market for over 20 years and write coverage for professional services, trades, and consultants. Their online application is straightforward, and they offer policy limits up to $5M per occurrence for LLCs with higher exposure.

Best for: LLCs in professional services (consulting, marketing, IT, accounting) that need both GL and professional liability. LLCs with revenue above $250,000 that need higher limits or more coverage depth.

What it costs: $35 to $80 per month for most small LLCs. Hiscox prices slightly higher than Next Insurance for equivalent limits on simple trades, but the coverage form is more detailed and suited for complex professional exposures.

One thing to watch: The Hiscox application will offer professional liability (E&O) in addition to GL. For service-based LLCs, this is worth considering, but do not let the upsell complicate a straightforward GL decision.

Thimble

Thimble is the right choice for LLCs that operate intermittently: a consultant LLC that works on projects, a seasonal landscaping LLC, or an LLC doing event work several times per year.

Best for: Project-based and seasonal LLCs that do not need continuous annual coverage. LLCs that want coverage for a specific contract or engagement without committing to a 12-month policy.

What it costs: Short-term coverage starts at $17 for a one-day policy. Monthly policies run $30 to $60 for most LLC types. Annual policies are priced competitively for lower-revenue LLCs.

One thing to watch: If your LLC operates consistently throughout the year, an annual policy from Next Insurance or Hiscox will be more cost-effective than monthly Thimble coverage. Thimble's advantage disappears for full-time operations.

biBerk (Berkshire Hathaway)

biBerk offers direct-to-consumer commercial insurance backed by Berkshire Hathaway, one of the strongest balance sheets in the insurance industry. For LLCs in low-hazard industries, they often price competitively below the digital-first carriers.

Best for: Retail LLCs, food businesses, office-based service businesses, and professional LLCs that want strong financial backing at a competitive price.

What it costs: $22 to $55 per month for most low-to-moderate hazard LLCs. biBerk tends to price well on restaurant, retail, and professional service LLCs.

One thing to watch: biBerk's appetite does not include high-hazard trades (roofing, structural, excavation). If your LLC is in a contracting trade, check Next Insurance or Pie Insurance instead.

Simply Business

Simply Business is a comparison marketplace, not a carrier. You fill out one application and see quotes from multiple carriers in their network. For an LLC owner who wants to compare options rather than go to each carrier separately, Simply Business is a useful first stop.

Best for: LLCs that want side-by-side price comparisons before committing. Businesses unsure whether their trade or industry is eligible with any single carrier.

What it costs: No additional fee from Simply Business. You pay the carrier rate you select. Quotes are typically from Hiscox, Markel, Employers Holdings, and others.

One thing to watch: Simply Business does not represent every carrier. After comparing through their marketplace, also check Next Insurance directly if they are not in the Simply Business network for your industry.

How We Evaluated These Providers

Coverage breadth. We evaluated whether each carrier writes the most common LLC industries: consulting, IT, marketing, landscaping, cleaning, construction, food service.

Financial stability. AM Best ratings: Next Insurance (A-), Hiscox (A), biBerk/Berkshire Hathaway (A++), Thimble (A-), Simply Business varies by carrier.

COI issuance. For LLCs responding to client contract requirements, the ability to issue a COI quickly matters. Next Insurance, Thimble, and biBerk all issue COIs immediately at purchase. Hiscox typically within one business day.

Price competitiveness. We benchmarked quotes for a single-member LLC in Texas doing IT consulting ($100,000 revenue), landscaping ($150,000 revenue), and residential cleaning ($120,000 revenue).

Application experience. We evaluated the ease and accuracy of the online application for typical LLC owner profiles.

How to Get a Quote

For most single-member LLCs: start with Next Insurance for a baseline quote, then check biBerk if you are in a service business or retail. If you need professional liability alongside GL (common for consulting and service LLCs), add Hiscox to the comparison for their bundled option.

Frequently Asked Questions

Does my LLC formation protect me from liability lawsuits?

An LLC protects your personal assets (your home, personal savings, personal vehicles) from most business debts and lawsuits. It does not protect your business assets (business accounts, equipment, contracts) from liability claims. It also does not protect you from personal negligence: if you personally cause injury or property damage while working, you can be sued personally in addition to your LLC. GL covers the LLC's exposure in both scenarios.

What is the difference between GL and professional liability for an LLC?

General liability covers bodily injury and property damage claims: physical harm or property you damaged during your work. Professional liability (E&O) covers claims that you made a mistake in your professional advice or service, such as a consultant who gave bad advice, an accountant who made an error in a return, or a designer whose work contained a flaw. Many service LLCs need both. Trades LLCs typically only need GL.

Can I deduct GL insurance premiums as a business expense?

Yes. GL insurance premiums paid for your LLC are a deductible business expense. Consult your accountant for how to classify the deduction based on your business structure.

Do I need GL if my LLC has a contract with clients?

Almost certainly yes. Most commercial client contracts and subcontractor agreements require proof of GL coverage at specified limits before work begins. Even if no contract requires it, the exposure of working in or near client property without GL is significant. A single property damage or injury claim can exceed your LLC's entire asset base.

How quickly can an LLC get GL coverage?

Same day. Next Insurance, Thimble, and biBerk all provide instant coverage and certificates at purchase. Most LLCs can go from quote to certificate in under 15 minutes.

Sources

• Next Insurance: next.insurance
• Hiscox small business insurance: hiscox.com/small-business-insurance
• Thimble: thimble.com
• biBerk by Berkshire Hathaway: biberk.com
• Simply Business: simplybusiness.com
• AM Best financial strength ratings: ambest.com
• ISO CGL form CG 00 01 (Insurance Services Office)
• SBA small business guide to business insurance: sba.gov