FAQs

Usually not. Both are commonly excluded and typically require separate coverage or a difference-in-conditions policy in California.

In California, workers’ compensation is required once you have any employees, including seasonal and part-time crew. We can help you understand how it applies to your team. ...

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. ...

Not really. A contractor bond and liability insurance serve different purposes. California generally requires licensed contractors to carry a bond, but that is separate from the liability and workers’ ...

Completed operations is generally part of a general liability program and responds to claims tied to work after it is finished. For trades where problems can surface later, it ...

They can be, typically through tools and equipment or inland marine coverage. Because tools are easy to underinsure, we review your values so the limit reflects what you actually ...

In California, workers’ compensation is required once you have any employees, including part-time help. We can walk you through how it applies to your crew.

A foodborne illness claim generally falls to product liability rather than general liability, since it involves the product you served. Many food truck owners carry both coverages together. ...

It can be, under commercial property and equipment coverage. Because fire is a real risk with grease and open flame, we make sure your equipment values are reflected in ...

Usually not. A truck used in your business typically needs commercial auto coverage, and personal auto policies generally exclude business use. This is one of the first gaps we ...