Typically yes. Building coverage protects the structure, but it usually does not respond to liability claims, lost income, or damage to your contents. Owner-users generally need both.
Related FAQs
In California, workers’ compensation is required once a business has any employees.
Often a business owners policy or commercial package can bundle them. Whether that fits depends on your size, industry, and property, which we can review with you. ...
Usually not. Both are commonly excluded and typically require separate coverage or a difference-in-conditions policy in California.
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