Calculators
General Liability Premium Estimator
Estimate a commercial general liability premium from revenue or payroll, the class rate, limits, claims history and minimum premium.
- Runs in your browser
- Nothing uploaded
The tool
Enter your numbers below. Results update as you type, and nothing leaves your browser.
Everything you enter stays on your own machine. Nothing is sent to us or to anyone else, which you can confirm in your browser network tab.
What people use it for
- Budgeting business insurance
- Comparing quotes
- Pricing contracts that require insurance
- Agency quoting
About this tool
What the General Liability Premium Estimator does
General liability premiums are usually calculated on an exposure base, often revenue (per $1,000 of sales) or payroll, multiplied by a rate for the business class. Higher limits, claims history and risk controls adjust the result, and insurers apply a minimum premium.
It also works as a commercial general liability premium estimator or a CGL premium calculator.
Formula
- Premium = exposure ÷ 1,000 × class rate × limits factor × claims factor
- Not less than the minimum premium
Worked example
Using the starting values in the calculator above:
| Input | Value |
|---|---|
| Annual revenue (or payroll) | $1,200,000 |
| Class rate per $1,000 of exposure | 2.5 |
| Limits | 1M per occurrence / 2M aggregate |
| Claims history | Average |
| Minimum premium | $500 |
| Result | Value |
|---|---|
| Estimated annual premium | $3,000 |
| Per month | $250 |
| Effective rate per $1,000 | 2.50 |
How to read the result
A business owner’s policy (BOP) bundles general liability with property cover and is often cheaper for small businesses.
Contracts with clients may require specific limits and additional insured endorsements; check before buying.
Estimates for planning only. Actual premiums and benefits depend on the insurer, policy terms and underwriting.
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Questions
Questions about this tool
The things clients actually want to know — costs, timelines, ownership and what happens after launch.
On an exposure base such as revenue or payroll, multiplied by a class rate and adjusted for limits and history.
1 million per occurrence and 2 million aggregate are common.
No; that is workers' compensation.
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