General liability
Covers third-party injuries, property damage and advertising claims against your business.
Business insurance for California's small and growing businesses
Protect your operations, property and team with coverage built around what your business actually does.
We're not taking new business insurance applications online right now. Call us at (840) 271-0179 and we'll talk through your options.
What business insurance can cover
Coverage options vary by carrier and policy. Your agent will walk you through what's included and what's optional.
Workers' compensation
Required in California if you have employees. Covers work-related injuries and lost wages.
Commercial property
Protects your building, inventory, furniture and equipment from fire, theft and more.
Business owner's policy
Bundles general liability and property coverage, often for less than buying them separately.
Professional liability (E&O)
Covers claims of mistakes, missed deadlines or negligence in the services you provide.
Tools and equipment
Covers tools and equipment you take from job to job.
Who we insure
We work with businesses across dozens of industries. Don't see yours? Call us, there's a good chance we can help.
- Architects and engineers
- Auto services
- Beauty and salons
- Cleaning services
- Construction
- Consulting
- Contractors
- Daycare
- Debris removal
- Education
- Entertainment
- Fitness
- General contractors
- HVAC
- Landscaping
- Accountants
- Photographers
- Restaurants
- Retail
Who it's for
- Sole proprietors and freelancers
- Small businesses with a few employees
- Contractors who need a certificate to bid
- Storefronts and offices
- Growing companies adding locations
Ways you could save
Discounts depend on the carrier and your eligibility.
- Bundle in a BOP
- Add commercial auto
- Pay in full
- Safety and training programs
- Claims-free history
Business insurance questions
Is workers' compensation required in California?
Yes. California requires almost every employer with even one employee to carry workers' compensation insurance.
What's the difference between general liability and professional liability?
General liability covers physical injuries and property damage. Professional liability, also called errors and omissions, covers financial losses caused by mistakes in your professional work.
What is a business owner's policy (BOP)?
A BOP packages general liability and commercial property into one policy. It's usually a cost-effective choice for small businesses.
Get a business insurance quote
It takes a few minutes online, or call and an agent will walk you through it.