Business Insurance Sacramento, CA

Stay Protected With Small Business Insurance in Sacramento, CA

As the second most diverse city in the U.S. and the capital of the 5th-largest economy in the world, Sacramento is a launching pad for small businesses and startups.¹ Whether you have a small business or are planning on starting one, it’s essential to get seguro de negocio to stay protected from risks. If you’re wondering what small business insurance in Sacramento is or what business insurance coverage you need, we’re here to help.

How Much Does Small Business Insurance Cost in Sacramento?

Our customers paid an average of $1,026 a year, or about $85 a month, for business insurance coverage in California. For workers' compensation insurance, customers in California paid an average $1,600 annually, or about $133 a month.²

The cost of business insurance in Sacramento, CA can vary. That’s because each business is unique and has different needs. Insurance companies use different factors to determine costs, such as:

Business location
Types of industry
Claims history
Number of employees

The best way to find out your business insurance cost in Sacramento is to get a quote online or reach out to your local insurance agency.

What Type of Business Insurance Is Required in Sacramento?

Small business owners in Sacramento may be required to carry certain types of business insurance. This includes:

California workers’ compensation insurance: Gives your employees benefits to help them recover from a work-related injury or illness. The state of California requires employers with at least one part- or full-time employee to have workers’ comp insurance.
Commercial auto insurance: Helps protect you and your employees on the road when driving commercial vehicles for business.
Professional liability insurance: Protects your business from claims that it made a mistake in the professional services given.

Types of Insurance Policies for Small Businesses

In addition to any required coverage, it’s likely you’ll need to get other types of business insurance to give your Sacramento small business more protection. Many businesses start with a Business Owner’s Policy (BOP), which combines business property and business liability coverage into one policy.

Some optional coverages you may want to consider include:

General liability insurance: Helps cover claims that your business caused bodily injury or property damage to others. It can also help cover claims of personal injury.
Commercial property insurance: Covers your owned or rented building, tools, equipment and inventory that you use to run your business operations.
Data breach insurance: Helps protect your small business from risks associated with a data breach if confidential information gets lost or stolen.
Business income insurance: Can help replace lost income if you can’t operate because of covered property damage.

What Professions Need Small Business Insurance in Sacramento?

Small business insurance protects companies from common claims that can come up during normal operations. Without the right liability coverage, if you are liable, you’d have to cover claims out of pocket, which many businesses don’t have the resources to do.

We offer small business insurance coverage to many industries. Some industries that we can help protect in Sacramento, CA include:

Get a Quote for Business Insurance in Sacramento, CA

We make it easy for you to get a business insurance cita in Sacramento. With a few clicks, small businesses can get a quote online for the coverage they need in just a few minutes.

Obtenga una quote today and see how we can help protect your Sacramento business.

Business Insurance in Other California Cities

We offer business insurance coverage to businesses in Sacramento and other California cities, including:

We’re an insurance company backed by more than 200 years of experience. We’ve helped over 1 million small business owners get the coverage they need. Our specialists understand the unique risks that Sacramento businesses face. So, whether you have questions about business insurance or need help with a claim, we’ve got your back.

Get the protection you need to help keep your small business running successfully.

Iniciar cotización

Last Updated: November 14, 2023

¹ Greater Sacramento Economic Council, “We are the California Option”

² Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.

Divulgaciones adicionales a continuación.