Business Insurance San Bernardino, CA

There are numerous options to find coverage for business insurance in San Bernardino, 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 San Bernardino 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 San Bernardino, 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 San Bernardino 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 San Bernardino, CA may need:

General Liability Insurance San Bernardino

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 San Bernardino, CA.

Workers' Compensation Insurance San Bernardino

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 San Bernardino

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 San Bernardino, 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 San Bernardino

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 San Bernardino?

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 San Bernardino 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 San Bernardino, CA

CityWay Community Economic Development Corporation

CityWay Community Economic Development Corporation (EDC) can help you find qualified employees as well as provide additional training for your team and leadership to help them grow along with your business. With lessons in insurance, finances, and incorporation, businesses can connect with and utilize resources to help their business thrive.

  • 4835 Hallmark Pkwy., San Bernardino, CA 92407
  • 909-491-2332

San Bernardino Area Chamber of Commerce

Membership with the San Bernardino Area Chamber of Commerce affords business owners a vast network of professionals to help their businesses grow through referrals, discounts, and community workshops for business development.

Mind & Mill

A dynamic space that not only supports entrepreneurs as a digital marketing agency, startup accelerator, and small business resource, Mind & Mill also provides clean and comfortable space for coworking and event holding. They will help you grow your business and connect with a host of skilled professionals in various industries.  

Regus Coworking

Whether you need a dedicated office space on a monthly basis or a meeting room for a few hours, Regus has multiple options for you. Their space is conveniently located in San Bernardino and is open 24 hours a day for all your business needs.

Local Insurance Agents in San Bernardino, CA

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

Patricia Doakes - Allstate Insurance Agent

  • Google Rating: 4.5/5
  • 357 W. 2nd St. Ste. 1, San Bernardino, CA 92401
  • Monday–Friday, 9:00 a.m.–5:30 p.m. PT
  • 909-888-9200

One Choice Insurance Brokers

  • Google Rating: 5/5
  • 2130 N. Arrowhead Ave. #105A, San Bernardino, CA 92405
  • Monday–Friday, 9:00 a.m.–7:00 p.m. PT
  • 909-315-6558

Alliant Insurance Services, Inc.

  • Google Rating: 3.3/5
  • 685 E. Carnegie Dr. Ste. 265, San Bernardino, CA 92408
  • Monday–Friday, 8:00 a.m.–5:00 p.m. PT
  • 909-886-9861

City Best Insurance Services Inc.

  • Google Rating: 4.2/5
  • 275 9th St., San Bernardino, CA 92410
  • Monday–Friday, 9:00 a.m.–7:00 p.m. PT
  • 909-889-9519

Acceptance Insurance

  • Google Rating: 4.9/5
  • 473 E. Carnegie Dr., San Bernardino, CA 92408
  • Monday–Friday, 9:00 a.m.–6:00 p.m. PT
  • 909-383-1700

Benco Insurance Services

  • Google Rating: 3.3/5
  • 1389 N. D St., San Bernardino, CA 92405
  • Monday–Friday, 9:00 a.m.–5:00 p.m. PT
  • 909-884-0682

Salazar Insurance & Financial Services

  • Google Rating: 3.9/5
  • 1200 E. Highland Ave. Ste. K, San Bernardino, CA 92404
  • Monday–Friday, 8:00 a.m.–5:00 p.m. PT
  • 909-340-4499

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