California IT Business Insurance

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Cost-Saving Tips

  • California has long been one of the leading technology centers in America, making it a great place for IT consultants and subcontractors to set up shop. Many technology companies, as well as businesses in all sectors, require their contractors to carry a minimum amount of insurance, so be sure you have the coverage you need to keep your business growing.
  • From blackouts to fires, working in California increases the odds that one day your business will be forced to shut down temporarily. But with business interruption insurance as an addition to your California business insurance coverage, you won't have to worry about how to pay the bills. Ask your agent for details.
  • If you've got employees, take the time to estimate your employment projections accurately. Your workers' comp premiums are based on your workforce projections, so if you get it wrong, you could end up spending more than you need to.

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World-renowned as a hotbed for technology development, California has the largest economy in the United States 1, and the eighth-largest economy globally 2. So if you're looking for IT business opportunities, California is certainly at the top of your list. But due to the area's unique IT business environment as well as its well-deserved reputation for natural disasters, doing business in California entails a higher level of risk – and the need for custom-tailored business insurance.

California IT Service Providers Face Increased Insurance Risks

IT business owners in California are wise to invest in a Business Owner's Policy, or BOP, which combines general liability insurance with property coverage. Whether or not you are in a part of the state where high winds and dry conditions make forest fires an annual threat, running a business in California means you're at risk for property damage. Consider all that you have invested in your business, and remember: It could all be taken away in an instant without the right insurance protection.

Get fast, affordable coverage that's just the right fit for your IT business. Complete one online application and get your free, no-obligation quote in 24 hours or less. Choose the coverage you need, and we'll start your policy immediately.

If you're looking for any of the following types of insurance, we've got you covered:

Business Liability Insurance Package Policy. You may have heard this type of coverage called a "BOP," or Business Owner's Policy. This policy packages general liability insurance with property coverage at one affordable rate, giving you protection if a client should be accidentally injured at your location or if one of your employees causes property damage or bodily injury at a client's site.

Professional Liability Insurance. Commonly called "errors and omissions" or "E&O" insurance, this type of coverage protects you if your client should claim that mistakes, negligence or omissions you make on the job caused the client a financial loss. For professional services companies such as IT businesses, this is one type of insurance you shouldn't work without.

Workers' Compensation Insurance. Many states require companies with employees to carry workers' comp insurance, which pays for medical care and disability coverage for your employees if they should suffer a work-related illness or injury.

Employment Practices Liability Insurance. If you have employees, you need EPLI. This type of insurance protects you in the event that one of your employees claims an employment practice violation, such as sexual harassment; wrongful termination; or gender, race or age discrimination.