Business Insurance California (CA)

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Choose The Hartford for Your Small Business Insurance in California

Business insurance California Small businesses make up over 99% of companies in California, employing nearly half of the Golden State’s employees.1,2 In order to run successful companies and protect their employees, small business owners rely on seguro de negocio.
Small business insurance California When looking for coverage for your business, it’s important to know that not all insurance companies are the same. We’re backed by more than 200 years of experience and are proud to have helped over 1 million small business owners. Whether your business is in San Francisco, Beverly Hills, Santa Rosa or elsewhere in the state, we’re here to help protect your company.
Learn how you can get business insurance in California and how it can help you run a successful company.

Types of California Business Insurance Coverages Offered

Business liability insurance California California Business Owner’s Policy

Many businesses in California get a Business Owner’s Policy (BOP) as their insurance foundation. This ensures they have:
  • General liability insurance
  • Commercial property insurance
  • Business income insurance
A BOP can help protect your Golden State small business from claims that can come up during normal business operations. You’ll want to get a BOP if your business:
  • Could get sued for causing injuries or property damage to a third party
  • Has a rented or owned physical location
  • Uses physical or digital property that can get broken or stolen

General liability insurance California General Liability Insurance in California

General liability insurance helps protect your business from claims that it caused bodily injury or property damage. This coverage is also known as commercial general liability and business liability insurance.
Business liability insurance in California can help your business if:
  • You accidentally damage a customer’s property while on the job
  • A customer slips and falls and gets injured at your business
  • Your business gets sued for slanderous comments you made about a competitor in an interview

Commercial Property Insurance in California

Commercial property insurance helps protect the owned or rented building you operate out of, as well as the equipment used to run your business. If your business’ building or property gets damaged, this insurance can help cover the repair and replacement costs.

California Business Income Insurance

California business income insurance helps replace your lost income if you can’t open because of covered property damage, such as:
  • Incendio
  • Viento
  • Robo

Minimum Liability Insurance in California

Minimum liability insurance California General liability insurance isn’t typically required for businesses in California, but be aware that the state doesn’t put a cap on liability lawsuit rewards. So, it makes sense to protect your business from potentially devastating costs of a large liability claim. A good rule of thumb is to get a minimum of $1 million in liability coverage, or at least an amount equal to the total value of your assets.

California Workers’ Compensation Insurance

Employers in California have to carry el seguro de compensación para trabajadores. This coverage gives your employees benefits to help them recover from work-related injuries or illnesses. These benefits can help:
  • Pay for medical expenses
  • Cover ongoing care costs
  • Replace lost wages
California workers’ compensation insurance can help your business if an employee:
  • Falls on the ice while walking into the office and has to spend time away from work to recover
  • Injures their back while lifting a box in the workplace and has to go to the doctor for treatment, medication and physical therapy
  • Gets hurt in a car accident while driving to make a delivery

California Commercial Auto Insurance

California commercial auto insurance helps keep you and your employees safe on the road if you drive for business. Commercial auto insurance is important if your business:
  • Owns, rents or leases cars or trucks
  • Has employees driving their own vehicles for business-related activities
  • Allows employees to drive company-owned vehicles
Check with the Department of Motor Vehicles to learn about the minimum coverages California drivers need for their automobile insurance.

Professional Liability Insurance in California

Liability insurance California Mistakes happen on the job all the time. When they do, they have the potential to shut down your small business. If a mistake causes your customer financial harm, they can sue you. Professional liability insurance helps protect your business if you make a mistake in the professional services you provide which causes a customer financial harm. This coverage can help pay for your legal defense costs and settlements or judgments.

Commercial insurance California Industries Covered by Commercial Insurance in California

Our business insurance coverages can help many kinds of industries in California. A few industries we provide coverage for include:

How Much Is Business Insurance in California?

Every business is unique and has different needs. That’s why it’s helpful to get a business insurance quote since insurance premiums can vary widely between business owners. When you get coverage, insurers can look at different factors to come up with your rate, such as your:
  • Business’ location
  • Tipo de trabajo
  • Claims history
We understand there’s not a one-size-fits-all business insurance policy. We make it our business to know the unique risks that every industry faces and we’ve helped over 1 million small business owners get the insurance coverage they need. So, whether you need an insurance quote, proof of insurance or help filing a claim, our specialists are here to help.
Obtenga una cotización hoy and learn how we can help you get the right coverage for your business.
1,2 U.S. Small Business Administration, "2019 Small Business Profile: California"
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