Business Insurance Modesto, CA

There are numerous options to find coverage for business insurance in Modesto, CA. You absolutely need insurance to protect your business from liability and accidents. This guide will help you choose the right coverage at an affordable price. 

According to data on the insurance industry, 75% of US businesses are underinsured, and 40% of small business owners have no protection whatsoever. 

A study conducted by Advisor Smith found that 75% of small businesses faced an insurable event in 2020. Use an online insurance provider to get a quote, find personalized insurance products, and easily file claims. 

Recommended: Estimate your premiums and coverage options in California. Get a quote from a dedicated small business insurer.

What Insurance Do I Need for My Modesto Small Business?

With average premiums for general liability insurance in the United States at about $800/year, protecting your business can be affordable and a smart decision. 

Your premiums in Modesto, CA will depend upon your industry, revenue, and risk. A brick-and-mortar business providing any kind of general product, services, or consulting could use a host of coverage options, such as general liability insurance for onsite accidents, commercial property insurance to protect against theft, or workers’ compensation to offer support in the event of workplace injuries.

Ecommerce businesses have unique needs and may be more concerned with data breaches or cybersecurity coverages. You can bundle most of these into a business owner’s policy (BOP).

Find the Right Coverage for Your Modesto Business

Next Insurance is a fully online provider dedicated to low-cost, high-protection coverage for small businesses. Get an accurate quote instantly.


What Are the Different Types of Business Insurance?

Below are the most popular types of coverage that a small business in Modesto, CA may need:

General Liability Insurance Modesto

General liability insurance is the most common type of business insurance, as it covers the most basic needs that are shared among all types of companies. Things like bodily injury on your business's property and physical damage caused by employees or employers are covered by this policy. 

Read our review on the best small business insurance providers to find suitable business insurance in Modesto, CA.

Workers' Compensation Insurance Modesto

Workers' compensation insurance is meant to protect the interests of your employees if they are injured on the job. It can also protect your business from a lawsuit if that employee needs compensation for their injuries. Workers' comp is mandated for any company with employees in every state except Texas and South Dakota.

Recommended: Estimate your premiums and coverage options in California. We recommend getting a quote from a dedicated online business insurance provider like Next Insurance.

Business Owner’s Policy Modesto

A business owner's policy is a bundle of insurance policies usually consisting of general liability, commercial property, and business interruption insurance. Since they are packaged and sold as one policy, this makes the administration of your protection simpler, and it may even come at a discounted rate.

How Much Is Business Insurance in Modesto, CA?

Making an informed decision to protect your business starts with estimating the cost of coverage, it takes less than five minutes to get a quote from our partner.


Online Business Insurance vs. Traditional Insurance Agency in Modesto

Online insurance agencies generally provide comparable coverage to a traditional insurer at a lower price. As a result, a growing number of small businesses prefer to use online business providers to find personalized insurance products and save on costs. They offer other benefits as well:

We highly recommend using an online provider like Next Insurance for a number of reasons:

  • Mobile App: Easily access all your coverage provided and Certificate of Insurance (COI) through an app.
  • Personalized Coverage: Online insurance providers use AI and predictive data to provide customized insurance options tailored to the unique risks to your business.
  • Lower Premiums: Online insurance providers save on expenses by not having brick-and-mortar locations or full-time agents and pass on these savings to their customers through lower premiums. 
  • Quick Turnaround on Claims: You can file a claim online and receive a resolution, usually within 48 hours
  • Convenience: Save time by avoiding speaking to an agent on the phone, get a quote instantly and insure your business within 24 hours. 

Two Ways To Start Coverage

Compare Quotes Online

Use our dedicated small business insurance provider to generate a quick and accurate online quote, specifically for your small business. 

Get an online quote

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Speak With an Insurance Representative

Representatives are online from 8:00 a.m.–8:00 p.m. ET, Monday–Saturday, to answer your questions and help you discover the best coverage. 

Call Now: 833-536-1478

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Frequently Asked Questions

Do I really need business insurance?

A study conducted by Advisor Smith found that 75% of small businesses faced an insurable event in 2020. Because of this, it’s in your best interest to get insured. 

How much should business insurance cost?

The cost of business insurance for a small business is typically between $700 and $3,800 a year, but this depends greatly on what types of insurance your business needs, your industry and the risk associated with your state.

How do I get business insurance in Modesto?

An insurer like Next Insurance offers convenience and can get you an instant, online quote with your specific needs in mind or we recommend calling a local insurance agency as listed below in Modesto to discuss your unique needs.

What happens if I don’t have business insurance?

  1. In the event of any liability, such as property damage, client injury, data breaches, etc., you can be held responsible to pay in full any court-appointed charges, with no benefit payout to help cover the cost.
  2. Businesses may choose not to work with you, as they do not want to assume all of your risk on their own insurance policy.
  3. Depending on your business and jurisdiction, your state or local government may shut down your business if you do not satisfy their insurance requirements. In addition to this, you may be forced to pay a penalty.

Do I need business insurance if I’m a sole proprietorship?

Yes. Sole proprietorships, like other businesses, should get business insurance. 

Small Business Resources in Modesto, CA

Valley Sierra SBDC

The Valley Sierra Small Business Development Center (SBDC) lets entrepreneurs access cost-free, one-on-one business training, host events, and attend workshops on all aspects of running a business, including financial and marketing skills.

Aura Office

As one of the few coworking spaces in the Central Valley region, Aura Office provides entrepreneurs with a clean and professional selection of office suites and meeting rooms that can be used for a variety of purposes. 

Modesto Chamber of Commerce

The Modesto Chamber of Commerce hosts programs like Leadership Modesto, the Women in Business Mentorship Network, Business U, Rising Professionals, and the Stanislaus Green Team to help you in all the aspects of beginning a business. They also have teams that can help you file and prepare taxes and work out any obstacles in your employee benefits. 


At Nine3One, they offer entrepreneurs a flexible and conducive work environment with everything they need to start, run, and grow their businesses. They have dedicated desks as well as team meeting spaces while offering a number of packages to help meet your needs.

Local Insurance Agents in Modesto, CA

We have compiled a list of local insurance agencies in Modesto, CA if you prefer to discuss your specific needs by speaking to an independent insurance agency or representative.

Nicholson Insurance, Inc.

  • Google Rating: N/A
  • 4317 N. Star Way Ste. B, Modesto, CA 95356
  • Monday–Friday, 8:00 a.m.–5:00 p.m. PT
  • 209-526-2697

Pauls Insurance Agency

  • Google Rating: 5/5
  • 1031 McHenry Ave. Ste. 9, Modesto, CA 95350
  • Monday–Friday, 8:00 a.m.–5:00 p.m. PT
  • 209-534-4455

C-B Associates Insurance

  • Google Rating: 4.8/5
  • 1505 G St., Modesto, CA 95354
  • Monday–Friday, 10:00 a.m.–5:00 p.m. PT
  • 209-527-8055

TSM Insurance Services

  • Google Rating: 5/5
  • 1317 Oakdale Rd. #910, Modesto, CA 95355
  • Monday–Friday, 8:30 a.m.–5:00 p.m. PT
  • 209-524-6366

McVey Insurance

  • Google Rating: 5/5
  • 1231 8th St. #100, Modesto, CA 95354
  • Monday–Thursday, 8:30 a.m.–5:00 p.m. PT
  • Friday, 8:30 a.m.–4:30 p.m. PT
  • 209-577-0177

Modesto Insurance Center

  • Google Rating: 4/5
  • 3025 McHenry Ave. Ste. M, Modesto, CA 95350
  • Monday–Friday, 8:00 a.m.–5:00 p.m. PT
  • 209-529-0745

Teresa Clutter Insurance Services LLC

  • Google Rating: 5/5
  • 400 12th St. Ste. 26, Modesto, CA 95354
  • Monday–Friday, 9:00 a.m.–5:00 p.m. PT
  • 209-836-0719

Additional Resources on Starting and Growing a Small Business in Modesto, CA