Bundle general liability with property coverage for your equipment, inventory and space — usually the best value for small businesses. Same-day COI.
Office hours Mon–Fri 9am–5pm PT (closed major holidays) — please call during hours. After hours, text (310) 299-5555 or apply online anytime and we’ll follow up.
Coterie is one of 40+ carriers we work with. When we run your business past several of them at once we can compare what each will actually offer — and that often turns up a better fit, especially if you’ve had a prior claim, run more than one location, or need endorsements specific to your trade. One call, no obligation, and we handle the certificates afterwards.
Our partner Coterie writes general liability, professional liability and Business Owners Policies for most small business classes in all 50 states, on A-rated admitted paper. Answer a few questions, see a bindable price, and download your certificate yourself. Built for businesses under 50 employees and under $10M revenue at a single location — contractors up to 15 employees. Some classes and loss histories aren’t eligible.
Coterie is one of several carriers CoverToday works with, and we may earn a commission on policies placed through this link. Buying online means you skip our review — call us first if you want us to compare it against the other carriers we represent. Independent broker — coverage, eligibility, price and availability vary by carrier and policy and may not be available to everyone. (310) 299-5555 · covertoday.com/quote
A Business Owners Policy combines general liability with property coverage for your equipment, inventory and improvements — often at a lower price than buying each separately. We shop BOP across carriers, tailor the property limits to what you actually own, and issue COIs the same day for your landlord or clients.
Third-party injury and property damage ($1M/$2M).
Your equipment, inventory and tenant improvements.
Lost income if a covered event shuts you down temporarily.
On-premises property your business depends on.
Certificates with additional insured for landlords and clients.
A BOP for a small business often costs less than buying general liability and property separately — bundling typically saves 10–20%. Many small businesses pay somewhere around $50–$150/month depending on industry, location, and the value of equipment and inventory insured. We compare carriers and set property limits to match what you actually own.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
A BOP fits eligible small and mid-size businesses — retailers, offices, salons, contractors with a shop — that want liability and property in one efficient policy. If you own equipment, inventory or improvements and also need a $1M liability certificate, a BOP is usually the best-value path. Workers’ comp is separate and added alongside.
Industry, location, equipment and inventory values.
We compare bundled GL + property for the best value.
Additional insured added and certificate issued fast.
Many small businesses pay around $50–$150/month depending on industry, location and the value of property insured. Bundling usually saves 10–20% versus separate policies.
Often, yes — bundling GL and property usually costs less than buying them individually for an eligible small business.
General liability plus business property, and usually business interruption — equipment, inventory and improvements.
Most small and mid-size lower-risk businesses — retail, office, salon, and many contractors with a fixed location.
No — workers’ comp is separate. We can add it alongside your BOP in the same call.
Yes — same-day, with additional insured added for your landlord or client.
General liability only covers third-party claims — injuries and property damage you cause. A BOP includes that same GL plus coverage for your own property (equipment, inventory) and business interruption, usually for not much more than GL alone.
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