Business Insurance

Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. General Liability covers injuries occurring on your business premises or business activities that cause damage to someone else’s property.

Also known as Errors and Omissions (E&O) insurance, this policy provides coverage for claims arising from professional errors, negligence, or malpractice. It protects businesses and professionals against legal costs and damages associated with allegations of inadequate work or mistakes in the services provided to clients.

Provides coverage for vehicles used in the course of business. It includes liability for bodily injury and property damage caused by business vehicles, as well as physical damage, theft, vandalism, and accidents. It covers company-owned or leased vehicles, and employees driving them within the scope of their work, subject to the vehicles and drivers listed on the policy.

Covers damage to your business’s physical assets such as buildings, equipment, inventory, and furniture. It protects against losses due to fire, theft, vandalism, and natural disasters, so that a covered loss to the building or its contents is paid up to the limits on the policy.

If your business has employees, workers’ compensation insurance is required by law in California. It provides coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured on the job.

Combines general liability and property insurance into one package tailored for small to medium-sized businesses. It covers property damage, bodily injury, and business interruption, offering protection against claims arising from accidents on your premises and damage to your business property.

Provides coverage for lost income and operating expenses if your business is temporarily unable to operate due to a covered event like fire, natural disaster, or other disruptions. It helps cover payroll, rent, and other ongoing expenses, for the period the policy defines, once a covered physical loss has shut the business down.

Offers coverage for data breaches and cyberattacks, protecting businesses against financial losses from data theft, system hacks, and cyber extortion. It includes costs for legal fees, notification expenses, credit monitoring for affected customers, and public relations efforts to manage the breach’s impact.

Covers buildings and structures under construction, providing protection against damage from fire, theft, vandalism, and certain weather events. It includes coverage for materials, equipment, and supplies on-site, in transit, or stored off-site, for covered causes of loss until the project is complete and the policy ends.

Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, for automotive businesses such as repair shops, body shops, and parking services, subject to the care, custody, and control terms on the form.

Guarantee that a contractor or business will fulfill its obligations to a third party. They protect against losses resulting from a failure to meet contractual terms, with the surety stepping in to complete the work or pay the obligee up to the bond amount. Common in construction and service industries, they enhance trust and reliability.

Covers goods, tools, and equipment transported over land. It protects against losses from damage, theft, or loss during transit or while stored at locations other than the insured’s primary premises. This insurance also covers specialized equipment and property frequently moved or used off-site.

Insures tools and equipment owned or used by contractors against damage, theft, or loss. This coverage follows equipment in transit, on job sites, and in storage, subject to the valuation basis and the theft conditions on the form, so contractors are not carrying setbacks due to equipment issues.

Provides additional liability coverage beyond the limits of your existing general liability, commercial auto, and other liability policies. It offers extra protection against large claims or lawsuits, covering costs that exceed the underlying policy limits, once the underlying limits are exhausted, up to the umbrella limit.

Protects businesses against liability for accidents involving vehicles they rent (hired) or do not own (non-owned) but use for business purposes. This coverage extends to vehicles used by employees for company business, providing financial protection against claims for bodily injury and property damage.

Covers the cost to repair or replace essential equipment that breaks down due to mechanical, electrical, or pressure system failures. It also includes coverage for business income losses, spoiled inventory, and extra expenses incurred during the restoration period.

Protects businesses from financial losses related to pollution incidents, including third-party claims for bodily injury, property damage, and cleanup costs. It covers legal fees, compensatory damages, and required or voluntary cleanup efforts.

Combines various coverages into a single policy, including property, liability, and business interruption. It allows businesses to tailor their insurance needs, offering flexibility and potential cost savings. This policy is ideal for businesses with diverse insurance requirements, with the limits and exclusions of each form still applying.

Offers liability coverage for the directors and officers of a company, protecting them against claims arising from decisions and actions performed within their corporate roles. It covers legal fees, settlements, and other costs associated with allegations of wrongful acts, which is what keeps a covered claim from reaching a director’s or officer’s personal assets.

Covers healthcare professionals against claims of negligence causing injury or death. It includes legal fees, settlement costs, and damages. Policies can be claims-made or occurrence-based, providing essential protection for doctors, nurses, and other medical staff against claims alleging professional negligence, up to the policy limit.

Provides coverage for claims related to injuries or damages caused by products manufactured, sold, or distributed by your business. It protects against financial loss due to product defects, design flaws, or inadequate warnings, so that legal costs and settlements from a covered product incident are paid up to the policy limit.

Provides coverage for claims arising from employment-related issues such as wrongful termination, discrimination, harassment, and retaliation. It protects your business against legal costs and settlements, for covered allegations made by employees about their rights and treatment in the workplace.

Safeguards businesses against financial losses resulting from criminal activities such as theft, fraud, embezzlement, and forgery. It provides coverage for money, securities, and other property, helping businesses recover from losses caused by employees or third parties, up to the limits and within the conditions on the policy.

Covers liabilities and potential losses associated with hosting events such as weddings, concerts, or corporate functions. It responds to injury and property damage arising from the event, and cancellation is a separate purchase rather than part of the liability cover.

Offers protection for businesses that manufacture, sell, or serve alcohol. It covers claims related to damages or injuries caused by an intoxicated person who was served by the business, including legal fees, medical costs, and settlements, for covered alcohol-related incidents up to the policy limit.

Provides protection for media professionals against claims of defamation, invasion of privacy, copyright infringement, and other related risks. It covers legal defense costs, settlements, and damages arising from content created or distributed by media entities, for covered claims against media businesses, up to the policy limit.

Some California operations need coverage outside the standard commercial lines. Ocean marine insurance and stock throughput insurance follow goods moving internationally, and cargo insurance covers freight in transit. Trade credit insurance responds when a customer fails to pay. Representations and warranties (R&W) insurance comes up in a sale or acquisition. Owner-occupied commercial property insurance fits a business that owns the building it works from, and cannabis insurance addresses a California sector most standard markets decline.