How much is $1,000,000 liability insurance a month? 

Most businesses in Kentucky pay between $20 and $83 per month for $1,000,000 in general liability insurance. Costs vary based on industry, location, and risk level. 

What is the best insurance for a small business? 

The best small business insurance typically includes general liability insurance as a foundation. Many businesses also add workers’ compensation, commercial property, and professional liability coverage based on their risks. 

Do you have to have general liability insurance? 

General liability insurance is not required by Kansas law, but most businesses need it. It is often required by landlords, clients, and contracts and helps protect against costly lawsuits. 

What falls under general liability? 

General liability insurance covers third-party bodily injury, property damage, personal and advertising injury, and claims related to products or completed work. 

What’s the difference between LLC and general liability insurance? 

An LLC is a legal business structure, while general liability insurance is a policy that protects your business from lawsuits and claims. Forming an LLC does not replace the need for insurance.