What is Capital & Co Insurance Services?

Capital & Co Insurance Services manages 2 data types including insurance products.

When should a startup buy insurance?

As soon as you sign a lease, hire your first employee, or take on a client contract — whichever comes first. Many investors and enterprise clients require proof of insurance before engaging.

What is D&O insurance and do I need it?

Directors & Officers insurance protects founders, executives, and board members from personal liability for management decisions. Most VC-backed startups are required to carry it.

How much does startup insurance cost?

A basic GL and professional liability package for a seed-stage startup typically starts around $1,200–$3,000/year. Costs scale with revenue, headcount, and the nature of your product.

What types of commercial insurance does Capital & Co offer?

Capital & Co offers general liability, workers compensation, commercial auto, commercial property, umbrella/excess liability, professional liability (E&O), cyber liability, surety bonds, inland marine, and builders risk insurance for businesses in California and nationwide.

Do I need workers compensation insurance in California?

Yes. California law requires most employers to carry workers compensation insurance, even for part-time employees. Failure to carry it is a criminal offense. Capital & Co can help you get compliant coverage quickly.

How much does general liability insurance cost for a contractor?

General liability insurance for contractors in California typically ranges from $500 to $3,000+ per year depending on trade, payroll, revenue, and claims history. Capital & Co shops 50+ carriers to find the most competitive rate.

How quickly can I get a certificate of insurance (COI)?

Capital & Co processes certificate of insurance requests within 24 business hours. Existing clients can submit a COI request online at capcoinsurance.com/coi-request.

Does Capital & Co serve businesses outside of Los Angeles?

Yes. While our primary market is Los Angeles and Southern California, Capital & Co places commercial insurance for businesses throughout California and nationwide through our carrier network.

What is a surety bond and does my contractor license require one?

A surety bond is a three-party guarantee that a contractor will fulfill their contractual obligations. California requires most licensed contractors to carry a $25,000 contractor license bond (CSLB bond). Capital & Co can issue contractor bonds same-day in most cases.

Startup & Business Insurance · California

Insurance for Startups & Fast-Growing Companies

Startups need insurance programs that are flexible and able to scale. From foundational GL and professional liability to D&O and cyber protection for digital operations, Capital & Co helps emerging companies establish coverage that satisfies investors, contracts, and compliance requirements from day one.

Key Risks

Investor and board liability (D&O exposure)

Data breach and digital asset risk

Professional errors and omissions claims

Employee-related claims as headcount grows

Contract and vendor compliance requirements

IP infringement and media liability exposure

Coverage Programs

Core / Typically Required

General Liability

Baseline coverage required by most leases, contracts, and clients.

Professional Liability / E&O

Protects against claims that your services or advice caused financial harm.

Recommended / Optional

Cyber Liability

Covers data breaches, ransomware, and notification costs for digital businesses.

D&O Insurance

Protects directors and officers from personal liability in management decisions.

EPLI

Employment Practices Liability — essential as you grow your team.

Workers Compensation

Required once you hire employees in California.

COI Requirement Checker

Select your industry / trade

Typical contract size

Public or private work?

License status

Answer the 3 questions above to see required limits and policy types.

Frequently Asked Questions

Why Capital & Co

Specialized market access for emerging businesses & scaling operations programs
California-specific regulatory knowledge and compliance
Competitive rates across 50+ admitted and non-admitted carriers
1-hour quote turnaround for most commercial submissions
Dedicated claims advocacy and certificate management

Modern office building representing commercial business insurance and corporate coverage solutions

Get Started

Ready to Place a Risk?

Our team is standing by to help you find the right commercial coverage. Submit your information and get a competitive quote from Capital & Co.

License #6002332 · California Licensed Agency