In California, yes. Labor Code 3700 requires workers’ compensation from the first employee, with no small-employer exemption. Some other states set a headcount threshold, so do not carry that assumption into California.
Related FAQs
Typically no. Standard commercial property and BOP policies in California usually exclude earthquake and flood, which generally require separate arrangements.
No. General liability handles third-party bodily injury and property damage. Claims tied to your professional advice or services typically fall under professional liability.
Often it is a strong foundation, but many businesses still need workers’ comp, commercial auto, cyber, or other lines depending on their operations. We help you find the gaps. ...
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