Small Business Insurance in California

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

Here for You, Regardless of Industry

  • Understand what you need in just seconds

  • Retain quality talent with quality insurance

  • Add coverage as you need it

  • Send proof of coverage instantly

Coverage Plans for All Your Needs

Starting a business in California opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.


Essential coverage for your California business

General Liability

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  • Bodily Injury
  • Damage to third party property
  • Personal Injury


When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

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All basic plan benefits and:

  • Lost business income
  • Loss or accidental damage to:
    • Business equipment
    • Valuable papers and records


When you also have at least one employee

General Liability + Property and Workers Compensation (WC)

39 *

* Plus Workers Compensation

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All standard plan benefits and:

  • Coverage for work-related accidents and diseases and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery
    • Legal fees


When you have specific requirements

Including Commercial Auto, Surety Bonds, Umbrella, etc

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  • Choose your coverage


We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

Protect Your California Business with Insurance You Need

Whether you are a contractor, represent the hospitality business, or harvest avocados, being pulled in several directions at once is normal. The last thing you need to worry about is having the right protection in place.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844-9933 anytime.

Get protected easily with CoverWallet

Frequently Asked Questions

Why do I need General Liability Insurance if it’s not required?

General Liability Insurance pays defense and settlement expenses arising from claims or lawsuits. In many cases, it’s the difference between staying open and being forced to shut down from lack of financial resources.

How much will business insurance cost?

Business insurance cost varies depending on the types of insurance you need, the carrier, how long you have been in business and what industry you represent. Most insurance companies offer free quotes.

What am I required to carry as a business in California?

California State has state mandates for Workers Compensation, Disability, and Auto Insurance depending on if you have employees or use vehicles for your business.

What is the difference between Workers Comp and Disability Insurance?

Workers Compensation insurance pays medical expenses and lost wage expenses for injuries that occur while an employee is working. Disability Insurance pays partial lost wages for injuries that are not work-related.

What limits of Business Auto Insurance should I carry?

California requires drivers to carry $15,000 per person / $30,000 per accident minimum and $5,000 in property damage. Businesses should consider carrying enough to protect their assets in the event of a significant lawsuit.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

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Businesses Love CoverWallet

Our mission is to help small businesses to be better protected, informed and served. See what our customers are saying.

Testimonial John White

Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

Testimonial Laura Campbell

Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

Testimonial Anthony Williams

Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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The Power Behind CoverWallet

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Algorithms, Science, Magic!

You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.

Customized, Intelligent Application

We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.

Endless Experience!

We are proud to be part of Aon, the leading global professional services firm providing advice and solutions in Risk, Retirement and Health. With us, you’re in good hands!

Are you ready to get down to business?

Start your application and get a free quote in minutes or call (646) 844-9933 anytime.

References for Small Businesses in California

Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:

SBA office of Los Angeles

330 North Brand Suite 1200, Glendale, California, 91203
Mon through Fri from 8:00 AM to 4:30 PM
Visit the website

California Department of Insurance

45 Fremont St, San Francisco, California, 94105
Mon through Fri from 7:00 AM to 5:00 PM
Visit the website