General Liability
The foundation of any small business insurance plan.
General liability insurance protects Bay Area businesses from third-party claims of bodily injury, property damage, and personal or advertising injury. If a customer is injured at your location or your work accidentally damages a client's property, GL coverage pays legal fees, settlements, and medical costs. Most commercial leases and client contracts require it — and for good reason.
Good for
- Retail shops and storefronts
- Contractors and tradespeople
- Consultants and freelancers
- Restaurants and food service
- Service businesses of all kinds
Workers' Compensation
California-required coverage — we make compliance simple.
California law requires virtually every employer to carry workers' compensation insurance. Workers' comp covers medical expenses and lost wages for employees injured on the job and shields your business from costly lawsuits. Coverwell shops California's workers' comp market to find competitive rates for your industry and workforce size — whether you have two employees or two hundred.
Good for
- Any California business with employees
- Contractors with subcontractors
- Seasonal and part-time workforces
- High-risk trades and construction
Commercial Property
Protect the physical assets your Bay Area business depends on.
Commercial property insurance covers your building, equipment, inventory, and furnishings against fire, theft, vandalism, and certain weather events. In the Bay Area — where lease costs and equipment values are high — the right property policy ensures one incident doesn't shut you down. We tailor coverage to your location, occupancy type, and the true replacement value of your assets.
Good for
- Retail storefronts and boutiques
- Restaurants and cafes
- Offices, studios, and co-working spaces
- Warehouses and light industrial
Business Owners Policy (BOP)
General liability and property in one cost-effective package.
A Business Owners Policy (BOP) bundles general liability and commercial property insurance into a single, streamlined policy — typically at a lower combined cost than buying each separately. BOPs are designed for small to mid-sized businesses and can be customized with endorsements for professional liability, cyber, and more. It's one of the most common starting points for Bay Area small business insurance.
Good for
- Small businesses under $5M in annual revenue
- Professional services and offices
- Retail, hospitality, and food service
- Startups and growing businesses
Professional Liability
E&O insurance for consultants, advisors, and service professionals.
Professional liability insurance — also called Errors & Omissions (E&O) — protects you when a client claims your advice, services, or work caused them financial harm. Even a groundless lawsuit can cost tens of thousands of dollars to defend. For Bay Area consultants, designers, accountants, IT professionals, and other service providers, professional liability coverage is essential protection.
Good for
- Consultants and management advisors
- Designers, architects, and creatives
- Accountants and bookkeepers
- IT, software, and tech services
- Marketing and PR agencies
Commercial Auto
Business vehicle insurance for California fleets and work trucks.
Personal auto insurance typically excludes accidents that happen while driving for business purposes. Commercial auto insurance fills that gap — covering liability, collision, and comprehensive damage for vehicles used in your business operations. Whether you run a single work truck or a fleet of delivery vans across the Bay Area, we find the right commercial vehicle policy for your needs.
Good for
- Delivery and logistics businesses
- Contractors, trades, and construction
- Mobile service providers
- Sales teams and field representatives
Cyber Liability
Data breach and ransomware coverage for California businesses.
California has some of the strictest data privacy laws in the country — and cyber threats are growing. A single ransomware attack or data breach can cost a small business hundreds of thousands of dollars in response costs, regulatory fines, and lost revenue. Cyber liability insurance covers breach notification, legal defense, regulatory penalties, credit monitoring for affected customers, and business interruption losses. Every business that stores customer data or relies on digital systems needs it.
Good for
- Businesses that store customer or employee data
- E-commerce and online retail
- Healthcare, dental, and professional services
- Any business using cloud software or POS systems
Directors & Officers Liability
D&O insurance protecting executives and board members.
Directors and Officers (D&O) liability insurance protects the personal assets of executives, board members, and officers when they are sued for alleged wrongful acts in their management capacity. Claims can come from shareholders, employees, regulators, or competitors — and defense costs alone can be devastating. D&O coverage pays legal fees, settlements, and judgments so leadership decisions don't put personal finances at risk.
Good for
- Corporations, LLCs, and partnerships
- Nonprofits and trade associations
- Venture-backed startups
- Companies with a board of directors or advisory board
Excess Liability
Higher limits above your primary policies — at a fraction of the cost.
Excess liability insurance (also known as commercial umbrella coverage) sits above your general liability, commercial auto, and employers liability policies. When a claim exceeds your primary policy limits, excess liability steps in to cover the difference. It's one of the most cost-effective ways to significantly increase your total coverage — especially important for Bay Area businesses with high asset values or significant public exposure.
Good for
- Businesses with significant assets or revenue
- Contractors and construction firms
- Hospitality, events, and entertainment
- Any business seeking $2M+ in total liability limits
Bonds
Surety bonds and fidelity bonds for California contractors and businesses.
Surety bonds guarantee that your business will fulfill its contractual and legal obligations — and many California licenses, government contracts, and client agreements require them. Whether you need a contractor license bond, a performance bond for a public works project, or a fidelity bond to protect against employee theft, Coverwell works with top surety markets to get you bonded quickly and at competitive rates.
Good for
- Licensed contractors and tradespeople
- Government and public works contractors
- Businesses handling client funds or property
- Janitorial, cleaning, and home service companies
Captive Insurance
A self-insurance strategy for businesses ready to take control of risk.
A captive insurance company is a licensed insurer owned and controlled by the businesses it insures — allowing you to fund your own risks, retain underwriting profits, and customize coverage that the standard market won't provide. Captives are increasingly used by mid-sized California businesses as a long-term cost-containment and risk management strategy. Coverwell helps evaluate feasibility, structure the program, and connect you with the right domicile and management partners.
Good for
- Mid-sized businesses with predictable, recurring losses
- Companies frustrated by rising commercial premiums
- Industries with limited standard market options
- Business owners seeking long-term risk financing strategies
Cannabis Insurance Solutions
Specialized cannabis business insurance in California.
California's cannabis industry operates under strict state and local regulations — and standard commercial insurance policies often exclude cannabis-related operations entirely. Coverwell works with carriers that specialize in cannabis business insurance to provide general liability, product liability, commercial property, crop and inventory coverage, commercial auto, and more. We serve licensed dispensaries, cultivators, processors, distributors, and delivery services throughout California.
Good for
- Licensed dispensaries and cannabis retailers
- Cultivators, growers, and nurseries
- Processors, manufacturers, and extractors
- Distributors and delivery services
