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Technology Business Insurance in California

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Recommended insurance policies for technology businesses in California

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What are the insurance requirements for technology businesses in California?

State laws can affect which policies you need for your technology business. These policies are required for California businesses.
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Workers' compensation insurance

California state law requires all technology businesses, even if they only have one employee, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by technology businesses in California must be covered by commercial auto insurance. California requires $15,000 bodily injury liability per person, $30,000 bodily injury liability / death liability to more than one person, and $5,000 property damage liability per accident.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

How much does business insurance cost for technology professionals?

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Commercial insurance can be affordable for a small California tech company. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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We specialize in business insurance for California IT and technology professionals

Our agents are experts in insurance for California technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed in California as BIN Insurance Holdings LLC (NPN 15752926, license 0G11129) for property and casualty insurance and for surplus lines. Verify our licensure with the California Department of Insurance.

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