Answers: There is no average cost. Just like nearby is no average small business. Is the small business re-roofing homes, cutting trees down or is it selling scrapbook supplies from home? Does your average small business own its building? What is the significance of goods held for mart? Or is it a service business with no commodities? Does the "average" small business have any human resources?
The point is an average, even if you could figure one out, would be a meaningless estimate.
How do you average an accountant and a demolition contractor?
Generally, liability insurance for a small business will range anywhere from $300 to $50,000. Once the premiums hit $50,000, most society don't consider it small any more.