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Insurance cover for small businesses in California
Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.
Umbrella Policy adds an extra layer of protection to professionals if a serious event or cumulative claims exhaust your current polcy limits. It also covers you for events that would otherwise be excluded from your other policies.
Commercial Property Insurance will provide coverage for your properties in case damage renders them impossible to rent or lease.
Disability Insurance offers your small business financial support if you or any of your employees are unable to work as a result of a work-related illness or accident. Disability insurance offers financial support to replace a portion of lost income while they're recovering.
General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.
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.
Guide to commercial insurance by state
Insurance laws and requirements may vary state by state. Click on your state to discover the insurance you will need for your small business: