California small businesses most often buy these insurance products.
A commercial general liability policy covers common risks for CA businesses, including customer property damage and injuries. Most commercial leases require this coverage.
Workers’ comp is required in California for every business that has employees. It also protects sole proprietors from work injury costs that health insurance might deny.
This policy is required for business-owned vehicles in California. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
This policy bundles commercial property insurance and general liability in one plan. It's often the most cost-effective business insurance policy for a small business.
This business liability insurance helps pay for legal defense costs related to mistakes and oversights. It's also called errors and omissions insurance (E&O).
E&O, sometimes called professional liability insurance, is common with professional services in California. It can cover the cost of lawsuits related to your work performance.
This insurance coverage helps California businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
Umbrella insurance boosts coverage on your general liability insurance, commercial auto insurance, and employer's liability insurance when the underlying policy reaches its limit.
This policy covers the value of a business's physical structure and its contents, such as inventory, equipment, and furniture. Bundle it with general liability coverage in a BOP for savings.
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State laws can affect which types of business insurance you might need. These policies are required everywhere in California, from San Francisco to Los Angeles.
Workers' comp covers medical bills for work injuries and illnesses.
Trucking companies may need additional coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).
Review answers to frequently asked questions about California insurance.
California's data breach laws require businesses to report security breaches to affected residents, and the costs can escalate quickly. Cyber liability insurance lessens the financial impact by paying for notification costs, legal fees, and fines.
Yes, your state may have special requirements for business insurance and bonds for your industry. You may also need a license depending on the work you do.
Real estate agents and brokers and other professionals who offer advice or services sometimes need errors and omissions insurance (E&O, also known as professional liability insurance) to get licensed in their state.
Note that cities and counties may have their own laws, in addition to state laws.
As with any purchase, shopping around is one of the best ways to find an affordable option. With Insureon, you can compare quotes from top-rated insurance carriers by filling out a free online application.
Other ways to save include bundling policies for a discount, and choosing less expensive coverage options, such as lower limits or a higher deductible. Learn more about how to find cheap business insurance.