California owners, sole-proprietors, and small, medium, and large businesses all benefit from the financial protection of business insurance. Our licensed representatives get to know your business operation and create a customized insurance plan to provide you with the security you need.
Solopreneurs, sole-proprietors, and home-based businesses are a vital component of many trades and industries. As your business venture begins to grow, putting the right insurance policies in place is essential to protecting your business assets. Property damage and liability claims can become costly and negatively impact a business. Having insurance can also benefit your business growth — certain contracts with local community centers, city, or state events require insurance, and being insured gives your clients the confidence to work with you and recommend your business.
One size does not fit all — each business has its own level of risk when it comes to determining the right type of insurance.
Small, medium, and large businesses often experience a tremendous growth spurt. This growth can leave your business exposed to lawsuits and other liability claims. Hiring employees also requires important insurance coverages — workers' compensation is state mandated.
And we always suggest adding an Employer's Practices Liability Insurance policy. Another important component of business protection is maintaining liability coverage for leased commercial locations; if you purchase a commercial location, you can also add building coverage to your policy.
We work with you to identify possible gaps in coverage and explain the benefits of every insurance option. High-grossing and unique businesses often find it difficult to get insurance — multi-million dollar companies can self-insure, yet transferring the risk to an approved insurer can help maintain profitability. Unique businesses often encounter issues finding the right classification. We work diligently to identify the problems you experience securing coverage and connect you with insurance companies who will insure you.
Insurance is an important part of protecting your business. It helps lessen the financial impact of lawsuits related to the products you sell or services you provide. As your business grows and you rent a physical location, hire employees, or get contracted by other companies, maintaining the right insurance coverage is essential. It's important to speak to an experienced insurance broker who can help you navigate the complicated world of insurance — insurance shouldn't be DIY. Our professional brokers are here to help you through every step of your business growth and insurance selection.
General liability pays for lawsuits or property damage claims, and/or medical expenses for injuries caused to others as a result of your business work.
A business owner's policy (BOP) packages general liability plus coverage for your tools, equipment, improvements to your business location, and loss of income.
General liability pays for any damage or injuries caused to a client or the client's property.
If you have no employees, you can request an exemption from the Contractors State License Board. In special circumstances, workers' compensation can still be issued to a company with no employees — call us to find out more.
The cost of insurance depends on the work you're performing, how much you make every year, and whether you want coverage for your tools, equipment, or business property.
We cater to diverse business industries: construction, contractors, hospitality, and retail. From general liability and property insurance to workers’ compensation and cyber liability coverage, we have a range of options to protect your business from unforeseen risks.
Simple steps to protect your business:
Call us today for a complimentary consultation and quote.
