Business Insurance in California

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Get small business insurance for your California business

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Learn about California's insurance requirements

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Recommended insurance policies for small businesses in California

General liability insurance icon

General liability insurance

A commercial general liability policy covers common risks for CA businesses, including customer property damage and injuries. Most commercial leases require this coverage.

  • Customer injuries at your business
  • Damaged customer property
  • Libel or slander lawsuits
Professional liability insurance icon

Professional liability insurance

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).

  • Work mistakes and oversights
  • Accusations of negligence
  • Late or undelivered professional services
Cyber liability insurance icon

Cyber liability insurance

This liability coverage helps California businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.

  • Data breach lawsuits
  • Client notification expenses
  • Fraud monitoring costs
Business owner’s policy icon

Business owner’s policy

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.

  • Third-party injuries and property damage
  • Business property damage or loss
  • Business interruption coverage
Workers’ compensation insurance icon

Workers’ compensation insurance

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.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
Commercial auto insurance icon

Commercial auto insurance

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.

  • Accidents involving business vehicles
  • Theft of a business-owned vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

California business insurance coverage requirements

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.

Blue check mark

Workers' compensation insurance

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.

Blue check mark

Commercial auto insurance

All business-owned vehicles in California must be covered by commercial auto insurance. California's minimum requirements for auto insurance are:

  • $5,000 property damage liability per accident
  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident

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).

How much does small business insurance coverage cost?

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

  • Your industry and risk
  • Business operations
  • Location
  • Number of employees
  • Policy limits and deductibles
  • Other coverage options, such as endorsements
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find policies that fulfill California's requirements and protect against financial loss. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

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.

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