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

As a small business owner, we understand your time is valuable and that’s why our online assessment tool uncovers which insurance policies you need most in just a few seconds.
Retain quality talent with quality insurance

In addition to being required by California, Workers Comp and Disability Insurance are beneficial to employees. They show you care about their financial well-being when an accident occurs.
Add coverage as you need it

CoverWallet believes in business growth and we want to grow with you. Small businesses can add on to their insurance plan as the need arrives online or over the phone.
Send proof of coverage instantly

The last thing you need is to wait for proof of insurance. With our digital wallet, you can send proof of insurance to anybody instantly, no matter where you are.

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.

BASIC

Essential coverage for your California business

General Liability

From

Month

Instant quote »

Includes:

Bodily Injury
Damage to third party property
Personal Injury

Get BASIC plan

STANDARD

When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

From

Month

Instant quote »

All basic plan benefits and:

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

Get STANDARD plan

PRO

When you also have at least one employee

General Liability + Property and Workers Compensation (WC)

From

39 *

Month

* Plus Workers Compensation

Instant quote »

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

Get PRO plan

CUSTOM

When you have specific requirements

Including Commercial Auto, Surety Bonds, Umbrella, etc

Choose your coverage

ALREADY INSURED?

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.

Commercial Property

Commercial Property Insurance is often a requirement of lien holders or property owners. It protects you from financial loss after unexpected incidents like earthquakes, storms, or fires by paying covered expenses to repair damaged property.

Workers Compensation

Unlike other states, California requires every business with at least 1 employee to carry Workers Comp Insurance. This coverage pays costs associated with an employee injuring themselves while performing activities on behalf of the business.

Disability Insurance

Another California-mandated policy for businesses with employees. Disability Insurance pays partial wages for eligible employees that injure themselves and are unable to work for a temporary time period.

Commercial Auto

California requires all drivers to carry minimum limits on their Auto Insurance policies. If your business owns, leases, or operates vehicles, it is recommended that you purchase a Commercial Auto policy to cover accidents caused while driving for work-related purposes.