Business Insurance in San Diego, CA

Choose The Hartford for Your Small Business Insurance in San Diego

Considered one of the most dynamic economies in the U.S. due to the vast range of industries and strong tourism, San Diego is an area prime for business growth.1 And it’s not all large businesses in the city either. In fact, 98% of businesses in San Diego are small businesses.2 Whether you have a small business or are planning on starting one, it’s essential to get business insurance in California. If you’re wondering what small business insurance in San Diego is or what business insurance coverage you need, we’re here to help.

We know every small business is different and faces unique risks. So, our specialists can work with you to get the right insurance coverage for your business.

Requirements for Small Business Insurance in San Diego

Business owners may be required to carry certain types of business insurance in San Diego. This includes:

Workers’ compensation insurance: Gives your employees benefits to help them recover from a work-related injury or illness. The state requires employers with at least one part- or full-time employee to have California workers’ compensation 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.

What Are the Different Types of San Diego Business Insurance?

In addition to any required coverage, it’s likely you’ll need to get other types of business insurance to give your San Diego small business more protection. 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 operate.
Business income insurance: Helps replace lost income if you can’t operate because of covered property damage.
Business Owner’s Policy (BOP): Combines general liability, commercial property and business income coverage into a single policy.

Who Needs Small Business Insurance in San Diego?

Pequeño

business insurance protects companies from common claims that can come up during normal operations. Even if a California business doesn’t have to get insurance, it’s still a good idea to get coverage. Because without it, 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 San Diego, CA include:

How Much Does Business Insurance Cost in San Diego, CA?

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.³

Business insurance costs vary in San Diego. That’s because each business is unique and has different needs. Insurance companies use different factors to determine costs, such as:

Type of coverage
Claims history
Lugar
Industria

The best way to find out your business insurance cost in San Diego is to get a cita. You can also use your local insurance agency to get a quote.

Get a Quote for Business Insurance in San Diego, CA

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

Business Insurance in Other California Cities

We can help protect business owners throughout California. We offer coverage throughout the state. This includes:

Last Updated: November 14, 2023

^1,2 San Diego Regional EDC, “Regional Economy”

³ 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.