California Commercial Insurance Products
Comprehensive insurance solutions designed specifically for California businesses. From required coverage to specialized protection.
Serving 523+ California businesses
Essential Business Insurance Products
Core coverage every California business should consider
General Liability Insurance
Essential protection against third-party claims of bodily injury, property damage, and advertising injury.
California Requirement: Often required by landlords and contracts
Starting at $400/year
Key Features:
- Bodily Injury Coverage
- Property Damage Protection
- Legal Defense Costs
- Personal & Advertising Injury
Workers' Compensation
Mandatory California coverage protecting employees and employers from work-related injury costs.
California Requirement: Required by law for most businesses with employees
Based on payroll & industry
Key Features:
- Medical Care Coverage
- Disability Benefits
- Rehabilitation Services
- Return-to-Work Programs
Commercial Property Insurance
Protects your business buildings, equipment, inventory, and other physical assets from covered perils.
California Requirement: Required by most commercial leases
Starting at $500/year
Key Features:
- Building Coverage
- Equipment Protection
- Inventory Coverage
- Business Interruption
Commercial Auto Insurance
Comprehensive coverage for vehicles used in business operations, including liability and physical damage.
California Requirement: Required by California law for business vehicles
Starting at $1,200/year
Key Features:
- Liability Coverage
- Collision Protection
- Comprehensive Coverage
- Uninsured Motorist
Specialty & Industry-Specific Coverage
Tailored protection for specific industries and professions
Professional Liability
Errors & omissions protection for professional services against claims of negligence or mistakes.
Starting at $500/year
Ideal For:
Coverage Includes:
- Professional Negligence
- Legal Defense
- Regulatory Proceedings
- Cyber Liability Options
Restaurant Insurance
Specialized coverage package for California restaurants and food service establishments.
Custom pricing
Ideal For:
Coverage Includes:
- General Liability
- Liquor Liability
- Equipment Breakdown
- Food Contamination
Convenience Store Insurance
Comprehensive protection for convenience stores, gas stations, and small retail operations.
Custom pricing
Ideal For:
Coverage Includes:
- General Liability
- Property Coverage
- Crime Protection
- Product Liability
Liquor Store Insurance
Specialized coverage for liquor retailers with unique liability exposures and regulatory requirements.
Custom pricing
Ideal For:
Coverage Includes:
- Liquor Liability
- Product Liability
- Theft Protection
- Regulatory Compliance
Why California Businesses Choose Our Insurance
Experience the difference of working with California insurance specialists
California Expertise
Deep understanding of California regulations, requirements, and market conditions
Competitive Rates
Access to multiple A-rated carriers to find you the best coverage at competitive prices
Fast Service
Quick quotes, rapid policy binding, and same-day certificates of insurance
Expert Support
Dedicated agents who understand your industry and can customize coverage to your needs
Protecting California Businesses Statewide
From Los Angeles startups to San Francisco tech companies, Sacramento government contractors to San Diego restaurants - we provide comprehensive insurance solutions across all of California.
Los Angeles Area
Comprehensive coverage for LA's diverse businesses market
- • Los Angeles
- • Long Beach
- • Glendale
- • Pasadena
- • Burbank
San Francisco Bay Area
Premium coverage for high-value Bay Area locations
- • San Francisco
- • Oakland
- • San Jose
- • Fremont
- • Santa Clara
San Diego Area
Tailored protection for Southern California's coastal markets
- • San Diego
- • Chula Vista
- • Oceanside
- • Escondido
- • Carlsbad
Central Valley
Affordable coverage for California's agricultural heartland
- • Fresno
- • Bakersfield
- • Stockton
- • Modesto
- • Visalia
Sacramento Area
Capital region coverage with competitive rates
- • Sacramento
- • Elk Grove
- • Roseville
- • Folsom
- • Davis
Inland Empire
Growing market coverage for Riverside and San Bernardino
- • Riverside
- • San Bernardino
- • Fontana
- • Moreno Valley
- • Rancho Cucamonga
Northern California
Specialized coverage for rural and mountain communities
- • Redding
- • Chico
- • Eureka
- • Ukiah
- • Yuba City
Orange County
Premium coverage for affluent Orange County markets
- • Anaheim
- • Irvine
- • Huntington Beach
- • Santa Ana
- • Newport Beach
Central Coast
Coastal protection for wine country and beach communities
- • Santa Barbara
- • San Luis Obispo
- • Monterey
- • Salinas
- • Santa Maria
North Bay
Wine country expertise for Napa and Sonoma regions
- • Napa
- • Santa Rosa
- • Petaluma
- • San Rafael
- • Vallejo
Sierra Nevada/Lake Tahoe
Mountain resort and tourism market coverage
- • South Lake Tahoe
- • Truckee
- • Mammoth Lakes
- • Bishop
- • Grass Valley
Imperial Valley
Desert agricultural region with border community coverage
- • El Centro
- • Calexico
- • Brawley
- • Imperial
- • Holtville
Frequently Asked Questions
What insurance is required for California businesses?
California requires workers' compensation for most businesses with employees, and commercial auto insurance for business vehicles. Many landlords and contracts also require general liability insurance. Professional liability may be required for licensed professionals.
How much does commercial insurance cost in California?
Costs vary based on business type, size, location, and coverage needs. General liability typically starts around $400/year, while workers' comp is based on payroll and industry risk. We provide free quotes to give you accurate pricing for your specific situation.
Can I bundle multiple insurance products for savings?
Yes! Bundling multiple coverages like general liability, property, and commercial auto into a Business Owner's Policy (BOP) often provides significant savings and simplified management.
How quickly can I get coverage?
Many policies can be bound same-day once we have your application and payment. We can also issue certificates of insurance immediately upon binding for time-sensitive needs.
Do you serve businesses throughout California?
Yes, we provide coverage statewide including Los Angeles, San Francisco, San Diego, Sacramento, and all California cities and counties.
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