Yes, once you have any employee in California. For an owner-occupied building, check who is actually on your payroll versus a vendor’s. A cleaner or handyman without their own coverage can end up rated back to you at audit.
Related FAQs
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.
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. ...
Ready to get started?
Talk to an advisor or request a quote. It takes about five minutes, with no commitment. Be insurance wise.
