Quick answer: The average general liability insurance cost in Houston, Texas is $40 to $150 per month ($480 to $1,800 per year) in 2026 for most small businesses on a standard $1M/$2M policy. Low-risk consultants and agencies pay near the bottom of that range; contractors and trades pay toward the

On this page What general liability insurance covers How much does GL cost in Fort Worth, Texas? What drives your Fort Worth GL cost (7 factors) Fort Worth GL cost by industry Fort Worth GL cost by business size Coverage limits: $1M/$2M baseline Fort Worth location specifics GL vs. Business

A ghost policy is a real workers’ compensation policy priced at the carrier’s minimum premium and structured for contractors with no employees. In California, it satisfies the CSLB workers’ comp filing requirement and produces a valid COI for most bids. Sole proprietors, single-member LLCs, and corporations with all officers properly excluded typically qualify — but C-39 roofing contractors and a handful of other mandatory classifications cannot use this approach. Expect to pay $750–$2,500 annually once class code, carrier appetite, and broker fees are factored in.

By Pascal Burke, Licensed Insurance Broker  |  Updated April 13, 2026 TL;DR: Contractor insurance can cost anywhere from a few hundred dollars a year for a low-risk owner-only setup to many thousands per year for a contractor with payroll, trucks, higher-risk operations, and strict contract requirements. For many small contractors,