Updated: October 28, 2025

Advertising & Editorial Disclosure

Key Takeaways
blueCheck icon

Small businesses pay $102 monthly ($1,220 yearly) for Coverdash business insurance, placing fifth nationally for affordability

blueCheck icon

Coverdash ranks ninth for customer experience, showing room for improvement in service quality and claims processing

blueCheck icon

With a second-place ranking for coverage options, Coverdash offers strong policy variety and customization choices for business owners

Coverdash Business Insurance Ratings

With a MoneyGeek score of 4.4, Coverdash places seventh among national providers in our analysis of 10 insurers across 79 industries. Coverdash offers extensive coverage options, but it could be better in financial stability. While offering competitive rates, its customer service experience could be better.

Overall Score4.407
Financial Stability4.7010
Customer Service4.157
Coverage4.802
Affordability4.355

How Did We Determine These Scores?

Get Matched To The Best Business Insurer For You

Select your industry and state to get a customized company match and get quotes.

Industry
State

Coverdash Business Insurance Ratings by Industry

Coverdash ranks first overall in 2 of 79 industries, leading in coffee shops and food businesses. It offers the most affordable coverage for auto repair, bakery and wholesale businesses. Coverdash ranks high in customer service, coverage and financial stability.

Data filtered by:
Select
Accountants4.504635
Ad Agency4.504634
Automotive4.207634
Auto Repair4.603634
Bakery4.503634
Barber4.505634
Beauty Salon4.702634
Bounce House4.403634
Candle4.504634
Cannabis4.305634
Catering4.504634
Cleaning4.404634
Coffee Shop4.702634
Computer Programming4.504634
Computer Repair4.404634
Construction4.207634
Consulting4.205634
Contractor4.404634
Courier4.503634
Daycare4.405634
Dental4.305634
DJ4.208634
Dog Grooming4.403634
Drone4.503634
Ecommerce4.304634
Electrical4.503634
Engineering4.207634
Excavation4.504634
Florist4.405634
Food4.702634
Food Truck4.504634
Funeral Home4.504634
Gardening4.503634
Handyman4.505634
Home-based4.207634
Home-based business4.504634
Hospitality4.603634
HVAC4.304634
Janitorial4.503634
Jewelry4.305634
Junk Removal4.402634
Lawn/Landscaping4.503634
Lawyers4.504634
Manufacturing4.207634
Marine4.503634
Massage4.405634
Mortgage Broker4.504634
Moving4.404634
Nonprofit4.305634
Painting4.205634
Party Rental4.503634
Personal Training4.204634
Pest Control4.405634
Pet4.207634
Pharmacy4.702634
Photography4.206634
Physical Therapy4.306634
Plumbing4.207634
Pressure Washing4.305634
Real Estate4.505634
Restaurant4.603634
Retail4.404634
Roofing4.403634
Security4.404634
Snack Bars4.503634
Software4.206634
Spa/Wellness4.503634
Speech Therapist4.405634
Startup4.406634
Tech/IT4.207634
Transportation4.602634
Travel4.206634
Tree Service4.407634
Trucking4.503634
Tutoring4.208634
Veterinary4.404634
Wedding Planning4.206634
Welding4.403634
Wholesale4.702634
Window Cleaning4.503634

How Did We Determine These Scores?

Coverdash Business Insurance Ratings by State

Coverdash provides business insurance across 50 states, with a third-place ranking in two markets. It offers competitive rates in several markets, ranking fourth for pricing in eight states and fifth in 27 others.

Data filtered by:
Select
Alabama4.416628
Alaska4.413426
Arizona4.415628
Arkansas4.425628
California4.415628
Colorado4.415628
Connecticut4.425628
Delaware4.425628
Florida4.415628
Georgia4.405628
Hawaii4.403526
Idaho4.415628
Illinois4.424628
Indiana4.424628
Iowa4.435628
Kansas4.415628
Kentucky4.414628
Louisiana4.415528
Maine4.415628
Maryland4.424628
Massachusetts4.415628
Michigan4.415628
Minnesota4.415628
Mississippi4.425628
Missouri4.415628
Montana4.424628
Nebraska4.424628
Nevada4.424628
New Hampshire4.425628
New Jersey4.405628
New Mexico4.415628
New York4.416628
North Carolina4.425628
North Dakota4.425628
Ohio4.425628
Oklahoma4.414628
Oregon4.415628
Pennsylvania4.405628
Rhode Island4.415628
South Carolina4.425628
South Dakota4.415628
Tennessee4.405628
Texas4.425628
Utah4.415628
Vermont4.415628
Virginia4.405628
Washington4.415628
West Virginia4.405628
Wisconsin4.414628
Wyoming4.425628

How Did We Determine These Scores?

How Much Does Coverdash Business Insurance Cost?

Coverdash business insurance costs around $102 monthly ($1,220 yearly). You can get business insurance at different price points based on your coverage types. Monthly rates start at $73 for workers' compensation and go up to $150 for business owner's policies.

Business Owners Policies$150$1,801
General Liability$104$1,242
Professional Liability (E&O)$78$933
Workers Compensation$73$875

How Did We Determine These Rates?

How Much Does Coverdash Business Insurance Cost by Industry?

The average cost of business insurance through Coverdash ranges from $33 monthly for home-based businesses to $628 monthly for pressure washing services. Business insurance costs reflect risk levels, with service-based operations paying less than businesses involving physical work or equipment.

Data filtered by:
Select
Accountants$62$749
Ad Agency$51$613
Auto Repair$129$1,545
Automotive$116$1,387
Bakery$77$925
Barber$40$477
Beauty Salon$42$509
Bounce House$68$814
Candle$53$636
Cannabis$97$1,164
Catering$77$928
Cleaning$110$1,316
Coffee Shop$62$748
Computer Programming$55$654
Computer Repair$51$610
Construction$219$2,634
Consulting$56$669
Contractor$215$2,585
Courier$183$2,196
DJ$36$435
Daycare$53$636
Dental$40$475
Dog Grooming$67$802
Drone$43$521
Ecommerce$67$805
Electrical$109$1,308
Engineering$56$670
Excavation$318$3,815
Florist$50$603
Food$64$768
Food Truck$120$1,437
Funeral Home$66$797
Gardening$81$976
HVAC$205$2,456
Handyman$203$2,434
Home-based$33$396
Hospitality$59$706
Janitorial$108$1,301
Jewelry$44$526
Junk Removal$150$1,796
Lawn/Landscaping$82$983
Lawyers$71$849
Manufacturing$50$603
Marine$74$894
Massage$96$1,149
Mortgage Broker$65$781
Moving$165$1,978
Nonprofit$46$555
Painting$156$1,867
Party Rental$69$830
Personal Training$45$539
Pest Control$63$755
Pet$63$751
Pharmacy$41$497
Photography$43$516
Physical Therapy$47$565
Plumbing$357$4,279
Pressure Washing$628$7,536
Real Estate$80$958
Restaurant$98$1,174
Retail$69$823
Roofing$448$5,379
Security$125$1,495
Snack Bars$71$856
Software$52$621
Spa/Wellness$79$944
Speech Therapist$45$538
Startup$42$503
Tech/IT$53$635
Transportation$99$1,185
Travel$48$575
Tree Service$170$2,045
Trucking$155$1,857
Tutoring$42$499
Veterinary$63$753
Wedding Planning$49$586
Welding$153$1,832
Wholesale$46$556
Window Cleaning$149$1,788

How Did We Determine These Rates?

How Much Does Coverdash Business Insurance Cost by State?

State regulations, natural disaster risks and legal environments influence business insurance rates across the country. Coverdash offers the cheapest business insurance in North Carolina at $87 per month, while business owners in Washington state pay around $125 monthly.

Data filtered by:
Select
Alabama$99$1,190
Alaska$92$1,108
Arizona$96$1,152
Arkansas$97$1,159
California$113$1,351
Colorado$100$1,201
Connecticut$110$1,315
Delaware$109$1,306
Florida$109$1,310
Georgia$103$1,233
Hawaii$106$1,277
Idaho$96$1,148
Illinois$111$1,329
Indiana$98$1,180
Iowa$96$1,153
Kansas$98$1,175
Kentucky$94$1,131
Louisiana$118$1,411
Maine$87$1,046
Maryland$96$1,154
Massachusetts$106$1,271
Michigan$95$1,145
Minnesota$95$1,135
Mississippi$101$1,214
Missouri$100$1,196
Montana$100$1,201
Nebraska$95$1,145
Nevada$115$1,378
New Hampshire$100$1,202
New Jersey$115$1,374
New Mexico$102$1,220
New York$118$1,412
North Carolina$87$1,042
North Dakota$95$1,143
Ohio$102$1,228
Oklahoma$95$1,146
Oregon$94$1,125
Pennsylvania$117$1,407
Rhode Island$111$1,331
South Carolina$104$1,246
South Dakota$94$1,133
Tennessee$99$1,182
Texas$102$1,222
Utah$96$1,157
Vermont$97$1,160
Virginia$92$1,103
Washington$125$1,503
West Virginia$106$1,271
Wisconsin$99$1,188
Wyoming$102$1,226

How Did We Determine These Rates?

Coverdash Business Insurance Customer Experience Ratings

After analyzing more than 1,100 customer reviews of small business insurance providers, we found that Coverdash ranks ninth nationally with a customer score of 4.03. It has a user-friendly digital platform and competitive rates.

Affordability4.405
Claims Process3.5010
Customer Service3.8010
Digital Experience4.504
Policy Management3.9010
Recommend to Others4.1010

Coverdash Business Insurance Customer Reviews and Sentiment

Coverdash is a digital-first insurance brokerage focused on embedded insurance solutions for small businesses and startups. Feedback from recent reviews and discussions highlights its speed and ease of use, but also notes the limitations of its broker model.

Official Website Reviews

Coverdash doesn't have a dedicated customer review section on its website. Its marketing materials emphasize instant quotes and simplified purchasing.

Better Business Bureau (U.S.)

Coverdash currently has no BBB accreditation and no substantial review or complaint volume.

Trustpilot

Holds a 3.8/5 TrustScore from recent reviews. Customers praise the smooth, fast online process, the ability to get coverage in minutes, and competitive pricing. A small number of negative reviews mention limited live support and the need to go through partner carriers for claims.

Reddit

Coverdash is a promising option for quick, affordable coverage, especially for startups and e-commerce sellers.  

Coverdash has fast, digital-first policy issuance and competitive pricing, particularly for entrepreneurs. Its broker model means claims handling and some service functions depend entirely on partner insurers.

Coverdash Business Insurance Industry Ratings

Because Coverdash is a brokerage and not a direct insurer, it has no NAIC complaint index or J.D. Power ranking. Instead, the quality of customer service and claims handling is determined by the underwriting carriers.

Coverdash Business Insurance Financial Strength Ratings

Coverdash itself doesn't carry a financial strength rating, as it is not an insurer. Policies are issued by partner carriers, many of which hold strong AM Best ratings.

Coverdash Business Insurance Coverage Options and Add-ons

Coverdash offers coverage from multiple partner carriers, with a focus on small business essentials and fast issuance.

Core

Protects against third-party bodily injury, property damage and advertising injury

Core

Covers service providers against claims of mistakes or negligence

Core

Combines general liability and commercial property coverage

Core

Pays for employee medical care and lost wages after a workplace injury

Specialized

Covers data breaches, cyberattacks and related expenses

Specialized

Liability and physical damage coverage for business vehicles

Inland Marine
Specialized

Protects tools, equipment and property in transit

Specialized

Protects against claims of injury or damage caused by products sold or supplied

Employment Practices
Specialized

Wrongful termination, harassment claims coverage

Commercial Flood
Specialized

Flood damage protection through the National Flood Insurance Program

Management Liability
Specialized

Executive team protection against management-related claims

Multinational Choice
Specialized

International business coverage for overseas operations

Home-Based Business
Specialized

Coverage for businesses operating from residential locations

Disclaimer

Coverage availability, limits, and pricing depend on the underwriting carrier and the applicant’s location, business type, and risk profile. Claims must be handled directly with the carrier that issued the policy.

Coverdash Business Insurance: Bottom Line

Coverdash provides small business insurance at $102 per month, offering competitive rates for most operations. The company offers comprehensive coverage options and user-friendly digital tools that simplify policy management. However, customers may experience longer wait times during the claims process compared to other providers.

Coverdash Business Insurance Review Chart

Coverdash Business Insurance: FAQ

Based on our analysis of Coverdash's business insurance offerings, these answers cover the key questions about coverage types, insurance costs and what to expect as a customer.

How much can I expect to pay for Coverdash business insurance?

How much does Coverdash business insurance cost by industry?

What industries does Coverdash rank best for?

Which states offer the cheapest Coverdash business insurance rates?

What are Coverdash's biggest weaknesses compared to competitors?

How We Rated Coverdash Business Insurance

Small business owners need reliable information to compare insurance providers like Coverdash. Our analysis focuses on what matters most to your business protection:

  • Affordability (50% of score): We analyzed Coverdash's pricing across all coverage types against nine other national carriers to determine value for small businesses.
  • Customer experience (30% of score): We examined complaint records, J.D. Power results and customer feedback to understand how Coverdash handles claims and supports clients.
  • Coverage options (15% of score): We assessed Coverdash's insurance offerings, coverage limits and optional add-ons to evaluate flexibility for business needs.
  • Financial strength (5% of score): We reviewed financial stability ratings and company reports to confirm Coverdash's ability to meet claim obligations.

We collected quotes from 79 industries across four coverage types, using a standard business profile of two employees, $300,000 in annual revenue and a $150,000 payroll. Our analysis reveals both the strengths and limitations of Coverdash for your business requirements.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.


sources
Copyright © 2025 MoneyGeek.com. All Rights Reserved