It doesn’t matter which industry you’re in or where your company is located. You need to find California business insurance to protect your investment, your revenue and your employees. Finding quotes online is the easiest way to find what you want, and most companies will allow you to do everything online, from paying the bill to establishing a claim.
Liability
Whether your company is home-based or has its own office building, you must at least have liability insurance in place. This type of policy can protect you and your employees and will protect you if one of your services or products hurts someone else.
Property
Your property must also be insured, which can include your buildings, computers, equipment, tools, inventory and more. This will protect you from theft, fires, vandalism and much more.
BOP
A BOP (Business Owner Policy) is a package deal that includes a variety of coverages you may need. It provides the coverage required by federal and state laws, but it can also be customized to meet your individual needs. It can include personal property, commercial property, vehicle coverage and more. This is usually the best California business insurance to consider, since it bundles a lot of insurances and may include a cost savings, as well.
Commercial Auto
If you use your personal vehicle (or employees do), you will still need commercial auto coverage. Anytime someone drives a car to do company-related tasks, they must be protected from accidents, theft and more.
Worker’s Comp
Worker’s compensation can help employees who have been injured while at work. It will likely compensate for medical bills and lost wages and protects you, as well. If the employee uses the worker’s comp policy to get restitution, they cannot sue you for more money later.
