The average cost of insurance for a small business in the United States typically hovers around $65 per month (or roughly $780 annually) for basic general liability coverage. However, when businesses opt for bundled Business Owner's Policies (BOPs) covering property and business interruption, or add specialized lines like workers' compensation, professional liability, and commercial auto, total annual expenditures frequently range between $1,200 and $5,000+ depending on industry risk factors.
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