General Casualty Insurance Insurance: Average Premiums & Pricing Factors
Quick Answer
How much does General Casualty Insurance cost? Average premiums by business size, industry, and state — plus the key factors that drive your rate up or down.
Comprehensive FAQ, cost guide, and claims examples for general casualty insurance — liability and property coverage for businesses.
What You Need to Know
General casualty insurance provides broad liability and property coverage for businesses against third-party claims and accidents.
General Casualty Insurance Cost by Business Size
| Business Size | Annual Revenue | Typical Premium | Notes |
|---|---|---|---|
| Small Business | Under $500K | $1,000–$3,000/yr | Basic casualty coverage. |
| Large Business | $5M+ | $10,000–$50,000/yr | Comprehensive coverage with high limits. |
What Determines Your Premium?
- Industry (High impact) — High-risk industries (construction, manufacturing) pay more than office businesses.
- Revenue (High impact) — Higher revenue increases exposure and premiums.