DOI License #0K77310 · Licensed CA broker since 2013 · Serving CA, TX, IL, AZ, NV, NC, WA EN RU ES

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.

Same-day COIs GL · WC · BOP · Auto Contractors & new businesses
🏆 5.0 ★ Yelp 🤝 40+ carriers ⚡ Bind same-day 🇷🇺 Russian-speaking
Why CoverToday

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.

Coverage

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.

Pricing

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.

Requirements

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.

Simple process

How it works

1

Tell us about your business

Industry, payroll, vehicles, and what your contract requires.

2

We build the program

GL, WC, BOP, commercial auto — shopped across carriers.

3

Get your COI same-day

Additional insured added and certificate issued fast.

FAQ

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 your best price.

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 and Washington.

Related coverage
General liabilityWorkers’ compSurety & license bonds

Talk to a licensed agent today

Russian-speaking · English · Español. No pressure, no spam — just your best rate.

📞 Call 💬 Text
✈ Telegram