What insurance does my business actually need? +
It depends on your industry and business model. At minimum, most businesses need General Liability. If you have employees, workers comp is likely required by law. We'll do a quick risk assessment and recommend exactly what you need — nothing more, nothing less.
What's the difference between GL and a BOP? +
General Liability covers third-party injuries and property damage claims. A Business Owner Policy (BOP) bundles GL with Commercial Property insurance at a discounted rate. Most small businesses benefit from a BOP — it's the most cost-effective starting point.
Is workers comp required even for small businesses? +
In California, workers comp is required if you have even one employee. Requirements vary by state, but the risk of operating without it is significant — both legally and financially. We'll confirm your state's requirements and get you covered.
How much does business insurance cost? +
A basic GL policy can start under $50/month for low-risk businesses. A BOP typically ranges from $80–$300/month depending on industry, revenue, and number of employees. The best way to know your rate is to get a custom quote from us.
Do I need cyber liability insurance? +
If you store any customer data — names, emails, payment info — you're at risk. Cyber attacks on small businesses are increasing. A data breach can cost $100,000+ in notification, legal, and remediation costs. Cyber coverage is increasingly affordable and essential.
Can I get a certificate of insurance quickly? +
Yes — once your policy is active, we can generate certificates of insurance (COIs) same-day. If a client or contract requires proof of insurance, we'll take care of it immediately.