Business Insurance - Protect Your Company

Business Insurance Overview

Complete protection for your business operations and growth

General Liability

Protection against third-party claims for bodily injury, property damage, and personal injury lawsuits.

Commercial Property

Coverage for your business property, equipment, inventory, and buildings against various perils.

Workers' Compensation

Required coverage for employee injuries and illnesses that occur in the workplace or during work activities.

Benefits of Our Business Insurance

Liability Protection: Shield your business from costly lawsuits and legal expenses
Property Coverage: Protect your physical assets, equipment, and inventory
Business Interruption: Coverage for lost income during covered property damage
Employee Protection: Workers' compensation and employment practices coverage
Cyber Security: Protection against data breaches and cyber attacks
Professional Liability: Coverage for errors and omissions in professional services

Coverage Types

Comprehensive business protection for every industry

Essential Coverage

General liability insurance
Commercial property insurance
Workers' compensation
Commercial auto insurance
Business interruption
Equipment breakdown

Specialized Coverage

Professional liability (E&O)
Cyber liability insurance
Directors & officers (D&O)
Employment practices liability
Product liability
Key person life insurance

Who Needs Business Insurance?

Essential protection for businesses of all sizes and industries

Small Businesses

Startups and small companies protecting their operations

Retail Stores

Protecting inventory, customers, and physical locations

Contractors

Construction and trade professionals needing liability coverage

Professional Services

Consultants, lawyers, and service providers

Frequently Asked Questions

Get answers to common business insurance questions

Most businesses need general liability and commercial property insurance. If you have employees, workers' compensation is typically required by law. Additional coverage like professional liability, cyber insurance, or commercial auto depends on your specific business operations and risks.

Business insurance costs vary based on your industry, business size, location, coverage limits, and risk factors. Small businesses typically pay $500-$3,000 annually for basic coverage. We provide customized quotes based on your specific needs and risk profile.

Yes, California requires most employers to carry workers' compensation insurance, even if you have just one employee. This includes part-time and temporary workers. Sole proprietors and partners are generally exempt unless they choose to be covered.

General liability covers third-party bodily injury and property damage claims. Professional liability (E&O) covers claims related to professional services, errors, omissions, or failure to deliver promised services. Many businesses need both types of coverage.

Yes, many insurers offer Business Owner's Policies (BOP) that bundle general liability and commercial property insurance at a discounted rate. You can also add other coverages like cyber liability or professional liability to create a comprehensive package.

Protect Your Business Today

Get comprehensive business insurance coverage tailored to your industry and protect your company's future.

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Comprehensive Business Insurance