The $1M policy your clients, landlords and general contractors require — issued with a certificate of insurance and additional insured the same day.
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
Most contracts, landlords and GCs require a $1M general liability policy and a certificate of insurance before you can begin. We place GL for contractors, trades and small businesses across many carriers, add additional insured, and issue the COI the same day so the job doesn’t stall.
A third party is hurt because of your work or premises.
You damage a client’s property on the job.
Claims arising after your work is finished.
Libel, slander and certain advertising claims.
Same-day certificates naming the parties your contract requires.
In California, general liability averages about $42/month for many small businesses, though it ranges with your trade, revenue and claims history — higher-risk construction trades pay more than low-risk consultants. A $2M aggregate costs only a little more than $1M and is often required. We compare carriers to find the right limit at a competitive price.
Figures are general market ranges — your exact rate depends on your profile. Call (310) 299-5555 for a free, no-obligation quote.
You need general liability whenever a client, landlord or general contractor requires proof of coverage — which is almost always for contractors, trades, vendors and service businesses. Standard limits are $1M per occurrence and $2M aggregate, and you’ll often be asked to add the other party as additional insured on a certificate of insurance.
Trade or business type, revenue, and what the contract requires.
We find the right GL limits and price for your class of work.
Additional insured added and certificate issued fast.
In California it averages about $42/month for many small businesses, but it depends on your trade, revenue and claims history. We shop carriers for competitive options.
Same day — often within 15 minutes for existing clients, with additional insured added.
Most contracts require $1M per occurrence / $2M aggregate. We confirm against your specific contract.
Third-party bodily injury, property damage, products/completed operations, and personal & advertising injury.
It extends your policy to protect another party (a client or landlord) for claims arising from your work. We add it on the COI.
Contractors, trades, vendors and service businesses — anyone a client, landlord or GC requires to carry coverage.
GL covers physical injury and property damage; professional liability (E&O) covers financial harm from your advice or service.
Yes — we place GL for startups and newly licensed contractors.
Russian-speaking · English. No pressure, no spam — just competitive options from 40+ carriers.
