How much is insurance for an LLC in 2026? General liability for an LLC averages $42–$68/month. A BOP averages $83–$141/month. Professional liability averages $88/month. A home-based single member LLC can start coverage for as little as $11/month through Next Insurance.
Does an LLC need insurance for a business it runs from home? Yes. Your homeowners policy explicitly excludes business activities, business equipment, and client injuries on the property. A home-based LLC can obtain general liability insurance for under $30/month.