General liability covers common risks for small businesses in California, including customer property damage and injuries. Commercial leases often require this policy.
This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.
This policy protects California small businesses against data breaches and cyberattacks that affect your business or a client.
This policy bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial insurance for a California small business.
Workers’ compensation insurance is required for all California small businesses, even if they only have one employee. It can cover medical costs for work injuries.
This policy is required for vehicles owned by California small businesses. It covers injuries and property damage in an accident, along with other types of damage.
California state law requires all businesses, even if they only have one employee, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.
Vehicles owned by small 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.
Commercial insurance can be affordable for a small California company. Factors that influence the cost include:
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.