How Much Does Small Business Insurance Cost in California?
California pricing is above the national average. Updated for 2026.
Small Business Insurance Pricing in California
In California, the average cost for small business insurance is $236 per month, which is 35% higher than the national average of $175. Most California residents pay between $41 and $675.
California has a higher cost of living than most states, which translates to higher labor rates and material costs. Urban areas within California may be even higher.
Small business insurance packages typically include general liability, professional liability, property coverage, and workers compensation. A Business Owner's Policy (BOP) bundles common coverages at a discount.
California vs National Average
What Affects Small Business Insurance Cost in California?
Coverage
General liability only: $30-$100/month. BOP (GL + property): $50-$200/month. BOP + workers comp: $150-$400/month. Full package: $200-$600/month
Industry
Office/consulting: $30-$100/month. Retail: $50-$200/month. Restaurant: $200-$500/month. Construction: $300-$1,000+/month
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💡 Tips to Save on Small Business Insurance in California
- 1.A BOP (Business Owner's Policy) bundles GL + property at 15-30% savings
- 2.Pay annually instead of monthly to save 5-10%
- 3.Higher deductibles reduce premiums
- 4.Shop multiple carriers — rates vary 30-50% for the same coverage
📈 Small Business Insurance in California Cost Trends (2020–2024)
Prices have increased +17.4% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $201 | — |
| 2021 | $209 | +4.0% |
| 2022 | $223 | +6.7% |
| 2023 | $229 | +2.7% |
| 2024 | $236 | +3.1% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Small Business Insurance in California
Recent Reports
Frequently Asked Questions
What insurance does a small business need?
At minimum: general liability ($30-$100/mo) and property insurance if you have a physical location. Add professional liability for service businesses, workers comp if you have employees, and commercial auto if you use vehicles for business.
Small Business Insurance Cost in Other States
Related Cost Guides for California
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