Core coverages in this program
- •General Liability
- •Business Owner's Policy (BOP)
- •Workers' Compensation
- •Commercial Auto & Hired/Non-Owned Auto
- •Professional Liability (E&O)
- •Cyber Liability & Umbrella
What small business insurance actually includes
There is no single 'small business insurance' policy. What most owners mean is a package: general liability plus property, usually written together as a business owner's policy, then workers' comp and auto added as the business grows. The right mix depends on whether you have employees, a lease, vehicles, or contracts that dictate limits.
| Coverage | What it pays for | Typical annual cost |
|---|---|---|
| General Liability | Third-party injury, property damage, advertising injury | $450 – $1,500 |
| Business Owner's Policy | GL plus business property and lost income | $700 – $3,000 |
| Workers' Compensation | Employee injury, medical, lost wages | $1 – $9 per $100 of payroll |
| Commercial Auto | Owned vehicles, liability and physical damage | $1,400 – $3,200 per vehicle |
| Professional Liability | Errors, omissions, and bad-advice claims | $600 – $2,400 |
| Cyber Liability | Breach response, ransomware, funds transfer fraud | $450 – $1,800 |
Looking for business insurance near you?
KTL has been placing commercial insurance since 2002 from San Diego, and we are licensed across California, Arizona, Nevada, and most U.S. states. Local matters for two reasons: state rating rules and the certificate turnaround your general contractor, landlord, or client is waiting on. We handle both directly.
- •San Diego, Orange County, Los Angeles & Inland Empire
- •Sacramento & Northern California
- •Phoenix and statewide Arizona
- •Las Vegas and statewide Nevada
- •Remote and multi-state operations, written on one program
How much does small business insurance cost?
Most small businesses with under $500,000 in revenue and no employees land between $65 and $140 per month for a general liability or BOP program. Adding employees changes the math — workers' comp is rated per $100 of payroll, so a $250,000 payroll in a $4.00 class code adds roughly $10,000 a year before credits. The largest swing factor is not the carrier's base rate, it's whether the risk was classified correctly in the first place.
Why shop through an independent agency
A direct carrier can only offer you its own appetite and its own rate. When your class of business falls outside that appetite, the price reflects it — and you have no way to know. We put the same submission in front of Travelers, CNA, Chubb, Hanover, Nationwide, Hiscox, NEXT, and others, then show you the spread side by side. We re-shop it at every renewal.
Ready for a benchmarked quote?
A KTL specialist will shop your risk across multiple A-rated markets within one business day.