California state law requires businesses with any employees, full-time or part-time, to carry workers’ comp insurance. This policy covers medical bills for work injuries and illnesses.
All business-owned vehicles in California must be covered by commercial auto insurance. California requires $5,000 property damage liability per accident, $15,000 bodily injury / death liability per person, and $30,000 bodily injury / death liability to more than one person.
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 (BOP).
Commercial general liability is important for CA businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
This liability policy, also called E&O insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.
This liability coverage helps California businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
This policy bundles commercial property insurance and general liability in one plan. It's often the most cost-effective type of commercial insurance for a CA business.
Workers’ compensation insurance is required in California for every business that has employees. It can cover medical costs for work-related injuries.
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.
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In California, insurance agents, insurance 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.