Business liability insurance can be very reasonable. Add on Commercial Property and Product Liability coverage and the quotes raise substantially. Just went through this with our agent (a large nationwide provider) for a new policy 2 months ago. We are a food manufacturer and many of our larger retail customers require up to $4 million product liability coverage. Our quote broke out like this:
General Liability Coverage: $469.00/year
Product Liability and Commercial Property Coverage: $9092.00/year
This is the second year with this insurance company. Never had a product recall or any claims made. Other quotes were within a few hundred dollars of this one.