Lines we can talk through with you
Commercial insurance
Each coverage has its own page with what it covers and a plain-language guide.
- General liabilityClaims of injury or property damage tied to your premises, products or work.Learn more
- Business owner’s policyProperty, liability and business income combined for qualifying small businesses.Learn more
- Commercial propertyYour building, equipment and inventory, if they are stolen, damaged or destroyed.Learn more
- Commercial autoLiability and damage coverage for vehicles your business uses.Learn more
- Workers’ compBenefits for employees after a work-related injury or illness.Learn more
- Cyber insuranceLosses from data breaches and cyberattacks, and claims that follow.Learn more
- Professional liabilityErrors and omissions: claims that your service or advice caused harm.Learn more
More coverage we can talk through
- Inland MarineA specialized type of property insurance, mainly for business property while it is being transported.Ask about it
- BondsAssures a customer that the work will be completed. Often needed to win contracts.Ask about it
- EPLIEmployment practices liability. Covers claims such as violating an employee’s civil or other legal rights.Ask about it
- D&ODirectors and officers. Protects them if they are sued over how they managed the organization.Ask about it
Sources: California Department of Insurance, Commercial Insurance Guide; Insurance Information Institute; U.S. Small Business Administration. Coverage, price and approval are decided by the insurance company.
By industry
Pages for the kinds of businesses we talk with most.
Not sure which coverage you need?
Simple or complex, every business starts the same way: tell us how it operates, and a licensed agent works through which coverage belongs in the conversation.
Start a business quote requestHow it works
- 1
Tell us what you need
A few quick questions. It takes about two minutes.
- 2
We review it
Someone licensed reads every request.
- 3
We reach out
We talk it through with you. There is no obligation.
Start with how your business runs.
A short request covers what the business does, where it operates and what you have in place now. A licensed agent takes it from there.
If you request a quote, a licensed insurance agent may contact you. Coverage, price and approval are decided by the insurance company.
FAQ
Small business insurance, explained plainly
Do I need workers’ comp with only one employee?
California law requires employers to have workers’ compensation insurance, even if they have only one employee.
What is a business owner’s policy?
A combined policy for small businesses that covers property, general liability and business interruption. It suits small main street businesses such as hardware stores, barbershops and accountants’ offices.
What does general liability cover?
A commercial general liability policy has three main parts: premises liability, products liability and completed operations.
Does general liability cover my business vehicles?
No, a general liability policy excludes automobiles. Commercial auto insurance covers liability from vehicles used in your business, and California’s minimum liability limits apply to commercial and fleet vehicles too.