In California, workers’ comp is generally required once you have any employees, including part-time staff.
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Cyber coverage may respond to breaches and certain funds-transfer fraud, though terms and sublimits vary and are worth reviewing.
It is not always separately mandated, but lenders and business partners often require it, and it responds to claims that a surety bond does not.
No. A surety bond is typically required for licensing and protects borrowers and the state, while E&O and other policies protect your business. Most brokers carry both. ...
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