Automotive liability prices depend on your state and insurer. For personal umbrella insurance, about $380 per year will purchase a $1 million - $2 million policy. Pricing depends on multiple factors, including the number of properties, vehicles, drivers’ ages and driving records, and more. The cost of commercial general liability (GL) insurance varies with business type, size, square- footage leased, and other factors. The national average is $741 per year for a business with less than 10 employees, with a median price of $428 per year.