San Diego is a hotbed for tech startups, advanced manufacturing, and small businesses. Protect your business with these common insurance products.
A general liability policy pays for legal costs from customer accidents, along with defamation and copyright infringement claims. Commercial leases in San Diego often require this coverage.
A professional liability policy covers legal costs related to claims of negligence, such as advice that caused a client to lose money. It's sometimes called errors and omissions insurance (E&O).
Cyber insurance helps small businesses in San Diego recover after a data breach or a cyberattack. Every business that handles customer information should have this coverage.
A business owner's policy, or BOP, is an affordable way to buy general liability and commercial property insurance together. It's recommended for all small, low-risk businesses in San Diego.
Workers' comp is required for all California businesses that have employees. It also covers work-related injuries for sole proprietors, which health insurance may deny.
All vehicles owned by San Diego businesses must be covered by commercial auto insurance. This policy primarily covers injuries and property damage caused by your vehicle.
E&O insurance protects consultants and professional services against legal defense costs from dissatisfied clients. It's also called professional liability insurance.
This policy covers physical damage to a San Diego business's building and its contents, including any computers and equipment. You can bundle it with general liability in a BOP.
An umbrella policy provides coverage once the limit is reached on your underlying general liability insurance, commercial auto insurance, or employer's liability insurance.
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State laws often determine the type of coverage you need. These policies help you comply with San Diego business insurance requirements.
California's workers' compensation law requires this type of insurance for all businesses that have employees, whether they work full time or part time.
Workers' comp pays for medical expenses when one of your employees is injured on the job or develops an occupational illness. It also provides disability benefits for injured San Diego workers.
California state law requires commercial auto insurance for all vehicles used solely for work purposes. This insurance policy covers medical payments, legal costs, and property damage from accidents involving your commercial vehicle.
San Diego businesses must meet the state's requirements for auto liability coverage, which are:
This amount of coverage is the least you need. It's worth considering higher limits, given the potential cost of a lawsuit. Trucking companies also may need more coverage to comply with regulations.
If you drive a personal, rented, or leased vehicle for business purposes, you may want to consider hired and non-owned auto insurance (HNOA) instead.
Review answers to common questions about San Diego business insurance.
Sometimes you need to get insured quickly to sign a contract, lease, or other agreement. With Insureon, you can get same-day insurance in three easy steps:
Our licensed insurance agents will help you get coverage that matches your business needs and your budget. Most San Diego businesses can get their certificate of insurance within a few hours of applying for quotes.
Your business could be held responsible for a data breach, which is why cyber liability insurance is so important. Small businesses are a common target of cyberattacks, since they often have fewer security measures in place.
California's data breach laws require San Diego businesses to notify any residents whose personal information is exposed in a data breach. Your business could also end up paying for a data breach investigation, a PR campaign, and other costs related to a breach or cyberattack.
Cyber insurance covers these costs and provides resources so you can get back to business fast.
Yes, the city of San Diego may require you to buy certain types of business insurance or bonds, depending on your profession. You may also need a business license or permit to operate in the city or do certain types of work.
Here are a few examples of local business requirements:
From the defense industry to tourism, San Diego has a diverse economy dominated by small businesses. Though it can be hard to get a foothold, there's ample support to help you get started:
Keep in mind that many lenders will require you to first obtain business insurance coverage, which is yet another reason to insure your investment.
Small business owners can save money on insurance costs by comparing quotes from different providers. With Insureon, you can get free quotes from top-rated carriers by filling out one easy application.
There are a few other ways to save, such as:
Learn more about how to find cheap business insurance.