A $1 million per-occurrence general liability policy is the standard starting point for most small businesses. It is also the limit landlords and contracts most often require. Cost depends on your location, revenue, services, and claims history rather than the limit alone, since $1 million is the baseline most carriers quote. For dog groomers, Gild policy coverages start at $250 annually. Comparing quotes across carriers is the most reliable way to see what a $1 million policy costs for your specific business.