Small business insurance cost for consultants and office-based businesses in California
A typical small consultants and office-based businesses business in California with two employees and about $250,000 in revenue can expect to pay roughly the range below. Your own price will move up or down with your size, claims history, and coverage limits.
Typical total, per month
About $1,279–$2,131 per year for a business owner’s policy, professional liability, and workers’ compensation.
Cost by policy type
| Policy | Per month |
|---|---|
| General liability | $30–$50 |
| Business owner’s policy (liability plus property) | $41–$68 |
| Professional liability | $44–$73 |
| Workers’ compensation (2 employees) | $22–$36 |
What drives the price for consultants and office-based businesses
Physical risk is low, so the main exposure is a client claiming your advice or work cost them money.
What to know in California
California requires workers’ compensation as soon as you have any employees, and it is among the higher-cost states for both liability and compensation coverage.
Tips before you buy
- Professional liability is the policy that matters most. General liability alone won’t cover a claim about bad advice.
- Many client contracts require specific limits, so read them before you buy.
- Working from home does not mean your homeowner’s policy covers your business.
More guides
- Consultants and Offices in Texas
- Consultants and Offices in Florida
- Consultants and Offices in New York
- Contractors and Trades in California
- Restaurants and Cafés in California
- Salons and Spas in California
- Cleaning Services in California
- Retail Shops in California
These figures are rough estimates for planning only, not quotes, offers, or insurance advice. Actual prices depend on the insurer and your specific business. Check with a licensed agent before you buy.