CoverWise helps small business owners in the USA navigate mandatory policies, compare coverage options, and avoid the costly trap of being underinsured — all in plain English.
From mandatory state requirements to smart add-ons, we break down every coverage type so you can make an informed decision.
Required in most states the moment you hire your first employee. Covers medical bills and lost wages if a team member is injured on the job — and shields your business from costly lawsuits.
The cornerstone of any small business policy. Protects against third-party bodily injury, property damage claims, and advertising injuries — often required by landlords and clients.
Personal auto policies won't cover accidents during business use. If your team drives for deliveries, site visits, or client meetings, a commercial auto policy is a must-have, not an option.
Data breaches hit small businesses hard. Cyber coverage handles notification costs, legal fees, and regulatory fines when customer data is compromised — a rapidly growing risk across all industries.
Covers your physical space, equipment, and inventory against fire, theft, vandalism, and certain weather events. Often bundled into a Business Owner's Policy (BOP) for significant savings.
If your business provides advice, designs, or consulting services, one dissatisfied client can trigger an expensive lawsuit. E&O insurance covers defense costs and settlements that GL won't touch.
Most small business owners don't know they're underinsured until they file a claim. At CoverWise, our licensed advisors walk you through your actual risk exposure — not just a generic checklist.
We compare policies from over 30 A-rated carriers, translate the fine print into plain language, and make sure the coverage you pay for actually pays out when you need it.
All plans include a licensed advisor, carrier comparison, and policy management. No hidden fees, no surprise exclusions.
Ideal for sole proprietors and freelancers who need foundational coverage without complexity.
Built for LLCs and growing teams with employees, vehicles, or physical locations.
Comprehensive protection for established businesses with higher risk profiles and complex needs.
We let our clients speak for themselves. Here's what a few of them have to say about working with CoverWise.
"I'd been running my landscaping company for six years and had no idea my personal auto policy didn't cover my crew's truck. CoverWise caught that gap immediately — and getting proper commercial auto coverage cost way less than I expected."
"As an IT consultant, I assumed a basic GL policy was enough. My CoverWise advisor showed me exactly why E&O coverage was essential for my work. Two months later a client actually threatened a lawsuit — and I was fully covered. Couldn't be more relieved."
"Opening a second location meant my old policy was completely inadequate. The team at CoverWise restructured my entire coverage plan, saved me $480 a year, and I now actually understand what I'm paying for. That peace of mind alone is worth every dollar."
Fill out the form and a licensed CoverWise advisor will reach out within one business day to review your coverage needs — no pressure, no jargon.