Professional services
General Liability Insurance Calculator
Estimate general liability premium from revenue and the risk class of the work.
Result
An estimating tool, not insurance advice and not a quote. Actual premiums are set by underwriting on factors no calculator sees: claims history, credit and loss data, exact location, construction, contract requirements and the insurer's own appetite. What cover you need is a question for a licensed broker who has looked at your situation. General liability covers third party bodily injury and property damage arising from your operations. It does not cover faulty workmanship itself, professional advice, employee injury or vehicles, each of which needs its own policy. Contracts frequently specify minimum limits and additional insured status, which changes the premium.
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About this calculator
What does general liability actually cover?
Third party injury and property damage caused by your operations, plus the defence costs. It does not pay to redo your own defective work, which is a common and expensive misunderstanding.
Why do contractors need higher limits?
Because the contracts require them. General contractors and property owners routinely specify a minimum, often one million per occurrence and two million aggregate, plus additional insured endorsements.
The formula
premium = exposure / rate basis x rate x risk multiplier, less deductible credit, plus claims loading
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