Business Insurance

Protect your business, employees, and assets with comprehensive commercial insurance coverage tailored to your industry needs.

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Why Your Business Needs Insurance

Protect your business from unexpected risks and ensure continuity in the face of challenges.

Liability Protection

Shield your business from lawsuits and claims from customers, vendors, or employees.

Property Coverage

Protect your building, equipment, inventory, and other business property from damage.

Employee Protection

Workers' compensation and employment practices liability coverage.

Business Interruption

Coverage for lost income when your business operations are disrupted.

Types of Business Insurance

Comprehensive coverage options to protect every aspect of your business operations.

General Liability

Protection against third-party claims for bodily injury and property damage.

  • Bodily injury claims
  • Property damage
  • Personal injury (slander, libel)
  • Legal defense costs

Commercial Property

Coverage for your business building, equipment, and inventory.

  • Building structure
  • Business equipment
  • Inventory and supplies
  • Business personal property

Workers' Compensation

Required coverage for employee injuries and illnesses on the job.

  • Medical expenses
  • Lost wages
  • Disability benefits
  • Death benefits

Cyber Liability

Protection against data breaches and cyber attacks.

  • Data breach response
  • Customer notification
  • Credit monitoring
  • Business interruption

Industry-Specific Solutions

Tailored insurance packages for different business types and industries.

Retail Businesses

Coverage for storefronts, inventory, and customer interactions

Restaurants & Food Service

Specialized coverage for food-related businesses and liability

Contractors

Protection for construction and contracting businesses

Professional Services

Errors & omissions coverage for consultants and professionals

Transportation

Commercial auto and cargo coverage for transport businesses

Technology Companies

Tech E&O, cyber liability, and intellectual property coverage

Business Insurance Packages

Choose the right level of protection for your business size and industry.

Startup Package

Essential Coverage

$89 /month
Up to $1M liability
  • General liability ($1M)
  • Professional liability ($500K)
  • Cyber liability ($100K)
  • Business personal property
  • Workers' compensation
  • Commercial auto
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Most Popular

Growth Package

Complete Protection

$189 /month
Up to $2M liability
  • Everything in Startup
  • General liability ($2M)
  • Workers' compensation
  • Commercial property
  • Business interruption
  • Employment practices liability
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Enterprise Package

Maximum Protection

$349 /month
Up to $5M liability
  • Everything in Growth
  • General liability ($5M)
  • Commercial auto coverage
  • Directors & officers
  • Umbrella liability
  • International coverage
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Business Insurance Calculator

Get an estimate of your business insurance needs based on your company details.

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Frequently Asked Questions

Get answers to common questions about business insurance in California.

California requires workers' compensation insurance for most businesses with employees. Depending on your business type, you may also need commercial auto insurance, professional liability insurance, or other specific coverage types. General liability insurance, while not legally required, is highly recommended for all businesses.

Business insurance costs vary widely based on your industry, business size, location, and coverage needs. Small businesses typically pay between $500-$3,000 annually for basic coverage, while larger businesses may pay significantly more. Factors affecting cost include revenue, number of employees, claims history, and specific risks associated with your industry.

General liability covers third-party bodily injury and property damage claims, while professional liability (errors & omissions) covers claims related to professional services, advice, or failure to deliver promised services. Many businesses need both types of coverage for comprehensive protection.

Yes, many insurers offer Business Owner's Policies (BOPs) that bundle general liability, commercial property, and business interruption coverage at a discounted rate. You can also often add other coverages like cyber liability, workers' compensation, and commercial auto to create a comprehensive package tailored to your business needs.

Protect Your Business Today

Don't leave your business vulnerable to unexpected risks. Get comprehensive business insurance coverage and focus on what you do best – growing your business.

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