A standard commercial general liability insurance policy featuring a $500,000 per-occurrence limit generally costs between $400 and $1,500 annually for low-to-moderate risk small businesses. Pricing depends heavily on your specific trade classification, annual turnover, employee headcount, and physical location. While $500,000 provides a baseline safety net, many commercial landlords and corporate clients frequently require businesses to carry at least $1 million to $2 million in aggregate liability coverage.
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