Small Business Insurance

Affordable, all-in-one protection for small businesses, LLCs, and sole proprietors.

Small Business Insurance across the Southwest

Small business insurance from ProRisk bundles the coverage every business owner needs into one easy policy: liability if a customer trips, property coverage if your shop floods, and the workers comp the state requires the day you hire your first employee. Whether you run a retail shop, a service company, a restaurant, or a professional practice, we tailor a Business Owner’s Policy (BOP) to your exact risk — without selling you coverage you don’t need.

What Small Business Insurance Covers

General Liability

Pays for slip-and-fall injuries, property damage you cause, and lawsuits from third parties — required by almost every commercial lease.

Commercial Property

Covers your building, inventory, furniture, and equipment against fire, theft, vandalism, and most weather events.

Business Owner’s Policy (BOP)

Bundles general liability and property into one discounted policy — the most popular small business insurance product.

Workers’ Compensation

Required in CA, AZ, NV, and TX the moment you hire W-2 employees (and in CA for some sole props). We write it state-compliant.

Professional Liability (E&O)

Protects consultants, accountants, agents, and service businesses from claims of negligence, mistakes, or bad advice.

Business Interruption

Replaces lost income if a covered event (fire, storm, etc.) shuts your business down for days or weeks.

Who We Insure

Retail StoresRestaurantsSalons & SpasAuto ShopsCleaning CompaniesMedical OfficesDental PracticesLaw FirmsAccountantsReal Estate AgentsConsultantsDaycareGyms & FitnessE-commerceLLCsSole Proprietors

Why AZ, CA, NV & TX Businesses Choose ProRisk

Real BOP Pricing in Minutes

Most small businesses pay $40–$120/month for a BOP. We quote you the actual number — not a teaser rate.

COIs On Demand

Need proof of insurance for your landlord, your client, or your city license? Same-day issuance, additional insureds free.

Multi-State Coverage

One policy, one agent, all four states. Expand your business without rebuilding your insurance stack.

Independent Agency

We shop multiple A-rated carriers — you get the best rate, not the only rate.

Get Covered in 3 Simple Steps

Our streamlined process makes getting business insurance fast, easy, and affordable

01Step 01

Tell Us About Your Business

Share some basic information about your business, industry, and coverage needs. Our smart form makes it quick and easy.

Quick 5-minute form

Industry-specific questions

No hidden requirements

02Step 02

Get Instant Quotes

Our system instantly compares rates from top insurers to find you the best coverage at competitive prices.

Multiple carrier quotes

Instant price comparison

Transparent pricing

03Step 03

Get Covered Today

Choose your preferred coverage, complete the application, and get your policy documents instantly. It’s that simple.

Instant policy documents

Digital certificates

24/7 support

Fast & Easy

Get covered in minutes, not weeks

Best Rates

Compare multiple carriers instantly

Expert Support

24/7 customer service team

Start Your Quote Now

Small Business Insurance FAQs

How much does small business insurance cost?

A typical small business pays $500–$1,500 per year for a Business Owner’s Policy. Workers comp adds $0.75–$2.74 per $100 of payroll depending on the trade and state.

Do I need business insurance if I have an LLC?

Yes. An LLC protects your personal assets from business debts, but it does NOT pay for lawsuits, property damage, or injured employees. You still need real insurance.

What is a BOP?

A Business Owner’s Policy bundles general liability + commercial property into one discounted policy. It is the standard product for most small businesses with under $5M in revenue.

Can I get insurance the same day?

Yes. Most BOPs and general liability policies bind in under an hour once we have your business info and a down payment.

Get Small Business Insurance by State

Small Business Insurance Overview Small Business Insurance California Small Business Insurance Arizona Small Business Insurance Nevada Small Business Insurance Texas

Other Coverage

Contractors Insurance Trucking Insurance Cyber Liability Insurance

Get Your Free Quote

Get your personalized quote in under 24 hours. Our licensed insurance specialists will review your needs and connect you with top-rated carriers offering competitive rates.