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Insurance for lawyers in California

Learn about business insurance requirements and the most common policies for lawyers in California.

Which policies are required for lawyers in California?

If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by lawyers in California, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.

State law in California requires every small business with employees to provide workers’ compensation insurance, which covers medical bills for work injuries.

Note: Insureon cannot provide quotes for professional liability insurance for lawyers, also called malpractice insurance.

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What are the most common policies for a California lawyer?

The most common policies for lawyers in California vary depending on revenue, client contracts, partnerships, and other factors.

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General liability insurance

General liability insurance is the foundation of a lawyer’s business protection, with coverage that extends to client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.

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Business owner's policy (BOP)

Lawyers often qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability insurance at an affordable rate.

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California workers' compensation

If you own a law firm in California that has employees, you are required to carry workers’ compensation coverage. If you are a sole proprietor, the coverage is optional. However, if you slip and break an arm in your office, or develop carpal tunnel syndrome after years of working on a computer, you can turn to your workers’ comp policy to help pay your medical bills and lost wages.

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Cyber liability insurance

Cyber liability insurance can help lawyers survive data breaches and cyberattacks. This policy can help pay for client notification costs, credit monitoring services, and other related expenses.

What do lawyers in California pay for insurance?

According to an analysis of Insureon applications, the typical lawyer in California can expect to pay equal to or more than the national median for business insurance.

For example, the median annual cost of workers’ compensation insurance for a lawyer in California is $1,754, significantly more than the national median of $1,054. On the other hand, the median annual premium for a business owner’s policy is $1,000, which is exactly the national median.

Median insurance costs for California lawyers.

Save time and money with Insureon

Insureon’s industry-leading technology helps lawyers in California save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in California and can answer your questions as you consider coverage.

To make the application go quicker, have this information ready:

  • Workforce details, such as the number and types of employees
  • Current and projected revenue
  • Business partnerships
  • Insurance history and prior claims
  • Commercial lease insurance requirements

Apply for free insurance quotes for lawyers today.

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Business insurance requirements in CaliforniaCommon questions about certificates of liability insurance
Topics
California
Lawyers