Insurance in California

Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. It covers situations where someone is injured on your business premises or if the business activities cause damage to someone else’s property.

A business owner’s policy, aka BOP, is a cost effective way for small business owners to get general liability and commercial property insurance combined into a single policy.

If your business owns vehicles used for business purposes, such as delivery trucks or service vehicles, commercial auto insurance provides coverage for those vehicles. This includes liability coverage for accidents and physical damage coverage for the vehicles.

Property insurance covers physical assets such as the business building, inventory, furniture, equipment, and fixtures against risks like fire, theft, vandalism, and natural disasters. It may not be enough to cover just the building; the aftermath of such damage should be covered as well.

If your business has employees, workers’ compensation insurance is usually required by law in every state. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.

Professional liability aka Errors & Omissions (E&O), can help cover legal expenses if a business is sued for a mistake, missed deadline, project scope disputes, negligence, or other unsatisfactory work.

Commercial umbrella aka commercial excess, provides additional coverage once the underlying policy reaches its limit. It can boost the coverage for general liability, commercial auto, and employer’s liability insurance.

Equipment floater aka Inland Marine, protects your tools and equipment. From transported goods and hauled equipment to storage items and even construction tools, it’s important to keep your investments protected.

Builder’s Risk Insurance, aka Course of Construction Insurance, is a form of commercial property insurance which covers a building when it is presently being constructed or heavily remodeled.