Here are the major types of insurance that you should consider.


General Liability Insurance: Every business needs liability insurance in case you, your products or services, or an employee, causes or allegedly cause bodily or property damage to any party. Costs vary depending on the specific risks of the business. A sole proprietor might pay a couple hundred a year for where a landscaping business could pay a couple thousand, the difference in cost showcasing the difference in risk.


Worker’s Compensation: This is a legal requirement if you have employees. If an employee is injured on the job, they are covered by worker’s compensation insurance, which provides wage replacement and medical benefits.

Small Business Start-ups...


Thoughtful diligence needs to go into the process of not only deciding on the type of business insurance your startup needs but also how and from which channels to procure the insurance.​

  • What type of insurance best fits your business?
  • What is the appropriate amount of coverage?
  • What is a fair value for insurance?
  • Who should you consult before buying?

Certainly, risk is involved in the process of starting and growing a company. What many founders tend to look past is that building a risk management program is the best, most immediate way to transfer a large portion of that risk away from the business and themselves. Using insurance policies as a risk transfer can help the founders make the business more attractive to partners, potential investors, and other third parties whose collaboration will likely be needed in order to help put the business on a healthy and stable growth trajectory.

Group Carriers Overview

Group Medical Carriers

• Aetna

• Anthem Blue Cross

• Blue Shield of California

• CalCPA Health/Anthem

• Kaiser Permanente

• Oscar Health


CaliforniaChoice® Carriers

• Anthem Blue Cross

• Health Net

• Kaiser Permanente

• Sharp Health are

• Sutter Health Plus

• United Healthcare

• Western Health Advantage

• Oscar Health


Covered California for Small Business

• Blue Shield of California

• Chinese Community Health Plan

• Health Net

• Kaiser Permanente

• Sharp Health Care

• Western Health Advantage

Group Ancillary Carriers

• Aetna

• Aflac

• Anthem Blue Cross

• Blue Shield of California

• CalCPA Health/Delta Premier

• Choice Builder

• Delta Dental

• Guardian

• Health Net Dental

• Kaiser Permanente/Delta Dental

• Liberty Dental/Liberty

• MetLife

• Mutual of Omaha

• Premier Access/Premier

• Principal

• Unum

• VSP

Small Business Insurance Solutions

Farmers