Some of the most expensive California General Liability Insurance rates are paid by construction, wholesale and retail, and manufacturing businesses. Also, businesses that offer less clear-cut professional and counseling services. Accounting, marketing, management consulting, and web development are all likely to pay less for this kind of policy. In fact, some insurance companies offer discounts for businesses that are run from home because they are less dangerous. Some other things that affect how much GLI costs are where your business is located, how big it is, and whether or not the plan you choose lets you deduct as much as possible. So, some insurance companies may also offer discounts to businesses that have good risk management programs.