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DiNicola Insurance Services

We don’t just understand the insurance business, we understand your business. With decades of industry-specific experience, we understand the risks you face and tailor insurance solutions and risk management strategies unique to your industry challenges.


1635 Irving Street
San Francisco, California 94122

Office Hours

  • Monday 08:00 AM - 05:00 PM
  • Tuesday 08:00 AM - 05:00 PM
  • Wednesday 08:00 AM - 05:00 PM
  • Thursday 08:00 AM - 05:00 PM
  • Friday 08:00 AM - 05:00 PM
  • Saturday Closed
  • Sunday Closed

Why our clients choose us

“Nick has done incredible work for us for over 10 years. DiNicola insurance is an awesome team and They know there stuff both for workers comp, Corp Liability and other required insurance products. Highly recommended!”
“Nick knows his stuff and is a pleasure to work with. He knows the restaurant and grocery business inside & out and can help make insurance a much less painful process. He is personally committed to his clients. He is a true business partner - not just a vendor.”
“We've been using DiNicola insurance for many years now and have been extremely satisfied with their breadth of offerings, responsiveness and customer service. We are a consulting company and have a wide variety of policies that help us not only with risk management but also help us be competitive in the marketplace. One surprising plus has been in deal situations with prospects who have strict insurance requirements - DiNicola's team has been incredibly responsiveness in deal situations, helping us answer questions and providing insurance certificates in a timely fashion that helps us close deals. DiNicola's team is fast, friendly, responsive and seem to be able to answer any questions we throw at them.”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
Construction Insurance: Why It's Important for Your Business
You have better things to think about than insurance

Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

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At Coterie, we are putting relationships at the forefront of small business insurance.

If you have any questions, Contact Us Today!