What Is Business Insurance for San Jose Small Businesses?
As the birthplace of Silicon Valley and home to many tech giants, San Jose is one of the nation’s most important innovation hubs for business owners.1
In fact, San Jose is home to more than 2,500 companies and 90,000 jobs.2
Protect your business from things like property damage, legal liability and employee-related risks. Whether you have a small business or are planning on starting one, it’s essential to get small seguro de negocio
If you’re wondering what small business insurance in San Jose is or what business liability coverages you need, we’re here to help.
How Much Does Business Insurance in San Jose Cost?
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
The cost of business insurance in San Jose, CA can vary. That’s because each business is unique and has different needs. Insurance companies use different factors to determine costs, such as:
- Types of coverage
- Claims history
The best way to find out your business insurance cost in San Jose is to get a cita
online or reach out to your local insurance agency
What Are the Business Insurance Requirements in San Jose, CA?
Your San Jose small business is required to carry certain types of business insurance in California
. If your small business owns vehicles, you will need to have commercial auto insurance coverage. If you have any employees, your business will need to have workers’ compensation insurance as required by state law. While these are the minimum state-required coverages for businesses operating in California, it’s a good idea for business owners to get additional coverage to make sure you’re fully protected.
What Business Insurance Does My Small Business in San Jose, CA Need?
In addition to any required coverage, it’s likely you’ll need to get other types of business insurance, which can save your small business money in the long run by ensuring you are protected. The industry your business operates in, whether you deal with sensitive customer information and if you have any company vehicles are all factors that can determine what types of coverage your business may need. Some additional coverages you may want to consider include:
Seguro general contra terceros
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, medical costs and reputational harm.
Workers’ Compensation Insurance
In the state of California, small businesses with at least one part- or full-time employee are required to have el seguro de compensación para trabajadores
to help protect their employees. Workers compensation insurance gives your employees benefits to help them recover from a work-related injury or illness. Workers’ comp can help with medical expenses, rehabilitation and lost wages.
Seguro comercial para automóviles
If your San Jose business utilizes vehicles in its day-to-day operations, you are required by state law to have el seguro comercial para automóviles
. This coverage can help protect your business in the event of a vehicle accident involving you or your employees.
Seguro de responsabilidad profesional
Professional liability insurance
, also known as errors and omissions coverage, can help cover your legal costs if your business gets sued. Without this coverage, you’ll have to pay for defense costs and settlements out of pocket. This coverage can protect your business if a customer claims that you were negligent in the professional services you provided.
Seguro para propiedad comercial
Business property insurance
, also known as commercial property insurance, helps protect your owned or rented building, tools and equipment you use to operate. Business property insurance covers your business’ physical assets that you need for your business operations, such as computers and inventory.
Seguro de riesgos cibernéticos
Data breach insurance, also known as cyber insurance
, helps protect your small business from risks associated with a data breach if confidential information gets lost or stolen. Cyber insurance can help cover your costs to notify impacted individuals and offer credit monitoring services.
Get a Free Quote for Business Insurance in San Jose, CA
Somos una compañía de seguro que tiene el respaldo de más de 200 años de experiencia. We’ve helped over 1 million small business owners get the coverage they need. Our specialists understand the unique risks that San Jose businesses face. So, whether you have questions about business insurance or need help with a claim, we’ve got your back.
We make it easy for you to get a small business insurance cita
in San Jose. With a few clicks, small businesses can get a quote for the coverage they need in just a few minutes. You can also use your local insurance agency
to get a quote.
Business Insurance in Other California Cities
We offer business insurance coverage to businesses in San Jose and other California cities, including:
Last Updated: November 14, 2023
1,2 San Jose Economy, “Why San Jose?”
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.