Comprehensive Business Insurance

Protect your business operations, employees, and assets with comprehensive commercial insurance coverage tailored to your industry needs.

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Business Risk Areas

Protect operations and cash flow

Liability
Third-party claims
Property
Buildings & equipment
Workers' Comp
Employee injuries
Cyber
Data incidents
We match coverage to your industry, contracts, and growth plans.

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

Common Business Coverage Packages

Combine essential coverages for simpler management

Business Owner’s Policy (BOP)

Often bundles general liability and commercial property, with optional add-ons based on your industry.

Commercial Auto

For vehicles used for business purposes, including delivery, transport, and service fleets.

Workers’ Compensation

Helps protect your employees and business if a work-related injury or illness occurs.

Certificates & Contract Requirements

Meet vendor, landlord, and client insurance requirements

Certificates of Insurance (COIs)

We help issue COIs for clients or projects, including additional insured requests when appropriate.

Policy Limits & Endorsements

Contracts often specify liability limits, waiver of subrogation, or primary/non-contributory wording. We can review requirements to avoid surprises.

Setting the Right Limits

Coverage should reflect your revenue, payroll, assets, and exposure

Liability Exposure

Customer traffic, contracts, and jobsite work can increase risk. Higher limits may help protect your business and personal assets.

Property & Business Income

If your location closes after a covered loss, business income coverage can help replace lost revenue and pay ongoing expenses.

Incident & Claims Guidance

Practical steps when something goes wrong

Protect People

Address immediate safety concerns and prevent further damage.

Document

Record the time, location, and details; keep photos and receipts.

Notify

Report the incident promptly to start the claims process.

Coordinate

Work with the adjuster and any required vendors to move toward resolution.

What We Need for Business Quotes

Basic business details help us shop coverage efficiently

Operations

Industry, services, years in business, and any contract requirements.

Payroll & Revenue

Headcount, payroll estimates, and annual revenue for accurate rating.

Locations & Assets

Addresses, leased/owned status, equipment values, and business vehicles if applicable.

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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