FAQs

It is worth considering. Standard property policies typically exclude earthquake, which is a meaningful gap in much of California.

Because you hold customer payment and account data. A breach can create real costs, and cyber coverage helps address them.

Only when the facility is legally liable. Your property policy insures your own buildings and equipment, and customer goods legal liability responds only to a claim that your negligence ...

Only with a self-service storage agent license from the Insurance Commissioner under Insurance Code 1758.7. The license requires employee training and written disclosures that the insurance is not a ...

Those premises and injury exposures are generally addressed through general liability, which is a core coverage for this trade.

It depends on the scope. Some pool trades require a state contractor license. We can help you confirm how licensing may affect your coverage.

Not always. Many general liability policies limit or exclude pollution, so chemical exposure often needs to be addressed through specific coverage.

They may be, under inland marine (tools and equipment) coverage. Standard auto policies typically do not cover the tools inside the vehicle.

Yes. The gym asks because its own policy does not automatically cover an independent contractor, so it wants your policy to respond and to name the gym as an ...

General liability follows your operations on or away from your premises, so a properly written policy responds in a park or a client’s home. A city park also needs ...