General Liability Insurance — Covers third-party bodily injury, property damage, and advertising injury claims. The foundation of almost every business policy.
Workers' Compensation — Required in California for businesses with employees; covers medical costs and lost wages for work-related injuries.
Commercial Property Insurance — Protects your building, equipment, inventory, and signage from fire, theft, and weather damage.
Commercial Auto Insurance — Covers vehicles used for business purposes, including work trucks and delivery vehicles.
Business Owner's Policy (BOP) — Bundles general liability and commercial property into one cost-effective package for qualifying small businesses.
Cyber Liability Insurance — Covers data breaches, ransomware, and customer notification costs — increasingly important for retail and service businesses handling customer data.
Umbrella/Excess Liability — Extra liability protection above your underlying policy limits.
