Business Insurance in California

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What are the requirements for small business insurance in California?

State laws can affect which insurance policies you need for your small business. These policies are required for California businesses.
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Workers' compensation insurance

California state law requires businesses with any employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All business-owned vehicles in California must be covered by commercial auto insurance. California requires $15,000 bodily injury liability per person, $30,000 bodily injury liability to more than one person, and $5,000 property damage liability per accident.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Recommended insurance policies for small businesses in California

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Find policies for your profession

Photographers, nurses, and lawyers need different insurance coverage. Insureon offers policies for the following California professions and more:

Don't see your profession listed? Find more professions.

How much does small business insurance cost?

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Commercial insurance can be affordable for a small California business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in California business insurance

In California, insurance agents, agencies, and brokers are licensed by the California Department of Insurance. Insureon is licensed in California as BIN Insurance Holdings LLC (NPN 15752926; license 0G11129) for property and casualty insurance and for surplus lines. Verify our licensure with the California Department of Insurance License Number Search.

What our customers are saying
"Really fantastic service and follow-up. Didn't feel pressured, felt like they were interested in my business."
Ben Warga
Customer since 2016
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