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Small Business Insurance in California

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Insurance cover for small businesses in California

Frequently Asked Questions

Why do I need General Liability Insurance if it’s not required?

General Liability Insurance pays defense and settlement expenses arising from claims or lawsuits. In many cases, it’s the difference between staying open and being forced to shut down from lack of financial resources.

How much will business insurance cost?

Business insurance cost varies depending on the types of insurance you need, the carrier, how long you have been in business and what industry you represent. Most insurance companies offer free quotes.

What am I required to carry as a business in California?

California State has state mandates for Workers Compensation, Disability, and Auto Insurance depending on if you have employees or use vehicles for your business.

What is the difference between Workers Comp and Disability Insurance?

Workers Compensation insurance pays medical expenses and lost wage expenses for injuries that occur while an employee is working. Disability Insurance pays partial lost wages for injuries that are not work-related.

What limits of Business Auto Insurance should I carry?

California requires drivers to carry $15,000 per person / $30,000 per accident minimum and $5,000 in property damage. Businesses should consider carrying enough to protect their assets in the event of a significant lawsuit.

Are You Ready to Get Covered?

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(646) 844-9933