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Contractor reviewing general liability insurance and COI requirements for a San Francisco job site.

How Much Does General Liability Insurance Cost in San Francisco, California? 2026 Guide

TL;DR San Francisco businesses generally pay between $40 and $150 per month for general liability insurance, while contractors and higher-risk trades commonly pay $150 to $450 or more per month, depending on their trade classification, annual revenue, payroll, claims history, coverage limits, and project exposure. Contractors working on commercial projects

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Contractor reviewing general liability insurance and COI requirements for a Modesto job site.

General Liability Insurance Cost Modesto CA: 2026 Guide

Last updated: July 2026 Most Modesto general contractors typically pay $175 to $425 per month ($2,100 to $5,100 per year) for a standard $1M per occurrence / $2M aggregate general liability policy, with roofers, structural trades, food-processing and dairy-facility contractors, and contractors on cold-storage or ag-handling projects often paying more.

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