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
29
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
39
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

From
___
Month
Instant quote »
  • 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.

General Liability

No matter the size of your business, General Liability insurance is a valuable policy. It protects you from lawsuits and settlement expenses resulting from third-party injuries, property damage, or libel, slander and false advertising claims.

Umbrella Insurance

California has no cap on the lawsuit settlement payouts making the Umbrella Insurance valuable to protecting your finances when a claim occurs. Umbrella policies are an extra layer of coverage that kicks in when your General Liability and Commercial Auto Insurance limits are maxed out.

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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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
(818) 552-3201
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
(800) 482-4833
Visit the website