Business insurance
Business insurance for California & multi-state owners.
General liability, workers’ comp, BOP, and commercial auto — placed fast, with same-day certificates of insurance for your contracts.
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. Contact & office.
Availability, limits and terms are reviewed for your situation. A request does not bind insurance.
Let us shop it — or start your quote online right now
Let us shop it for you (usually worth the call)
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.
Or quote and buy online in minutes
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
Coverage that lets you win contracts
Most clients and landlords require a $1M general liability policy and a certificate of insurance before you start. We set up the right coverage — GL, workers’ comp, a Business Owners Policy, commercial auto — and issue COIs (with additional insured) the same day so deals don’t stall. One broker for every policy your business needs, in California and six more states.
What it covers
General liability
Third-party injury and property damage — the $1M policy contracts require.
Workers’ compensation
Required once you have employees; covers their work injuries.
Business Owners Policy (BOP)
Bundles GL with property for your equipment, inventory and space.
Commercial auto
Vehicles and drivers used for the business.
Professional liability (E&O)
Claims that your advice or service caused a client a loss.
How much it costs
In California, general liability averages about $42/month for many small businesses and workers’ comp about $63/month, though both vary heavily by industry, payroll and revenue. Bundling GL and property into a BOP often saves 10–20% versus buying them separately. We compare carriers and right-size limits so you meet contract requirements without overpaying.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
Who needs it
If clients, landlords or general contractors require a certificate of insurance, you need general liability (commonly $1M/$2M). Any business with employees must carry workers’ comp in California — even one part-time worker. Businesses that own equipment or inventory benefit from a BOP, and any business that uses vehicles needs commercial auto.
How it works
Tell us about your business
Industry, payroll, vehicles, and what your contract requires.
We build the program
GL, WC, BOP, commercial auto — shopped across carriers.
Get your COI same-day, where available
Additional insured added and certificate issued fast.
See how the pieces fit
Start with how the business actually works
Three topics to review with your agent. These are comparison prompts, not a promise of coverage.
- 01
Your work
Describe services, products, locations and work done away from your premises.
- 02
Your people
Discuss employees, owners, subcontractors and who works for whom.
- 03
Your commitments
Bring insurance sections of leases and customer contracts for a separate review.
Before we talk
Make the first conversation useful.
You don’t need every detail ready. Start with what you know; an agent can help with the rest.
- What your business does and where it operates
- Employees and insurance requirements in contracts
- Existing coverage and your desired start date
Please keep Social Security numbers, financial details and documents out of the public request form. An agent can explain the appropriate way to provide them if needed.
Common questions
How much is small business insurance in California?
General liability averages ~$42/month and workers’ comp ~$63/month, but it depends on your industry, payroll and revenue. We shop carriers to find competitive options.
Which policies does my business need?
Most need general liability; add workers’ comp if you have employees, a BOP if you own property/equipment, and commercial auto if you use vehicles.
Can you add an additional insured today?
Yes — usually within 15 minutes for existing commercial clients.
Do I need workers’ comp?
In California, employers with any employees generally must carry it. We’ll tell you exactly what applies.
What’s a BOP?
A Business Owners Policy bundles general liability with property coverage — often the best value for small businesses.
How fast can I get a certificate of insurance?
Same day — often within minutes for existing clients, with additional insured added.
Do you cover brand-new businesses?
Yes — we place coverage for startups and newly licensed contractors.
What states do you serve?
California plus Texas, Illinois, Arizona, Nevada, North Carolina, Colorado, Ohio and South Carolina — nine states.