FAQs

Often yes. Point-of-sale systems can be breached, and California breach-notification rules can create real costs, so cyber coverage may be worthwhile even without an online store. ...

No. General liability handles third-party bodily injury and property damage. Claims tied to your professional advice or services typically require professional liability.

General property coverage often excludes employee dishonesty, which is usually addressed through crime coverage. It is worth confirming both are in place.

Business interruption coverage may help replace lost income during the time it takes to reopen after a covered loss, subject to policy terms.

A BOP typically includes business personal property, which can cover inventory, fixtures, and equipment, subject to your limits and policy terms.

In California, yes. Workers’ compensation is required once you have any employees, including part-time staff.

California is not a traditional dram-shop state, so there is generally no broad statutory mandate. However, liquor liability is often required by a lease, landlord, or contract, and it ...

Not always automatically. Spoilage and equipment breakdown are often added as specific coverages, so it is worth confirming.

Often only in a limited way. Pollution from fluids and solvents may require specific coverage, so it is worth reviewing.

Garage liability covers injury and damage from your operations. Garagekeepers covers physical damage to customers’ vehicles while they are in your care, which general liability typically does not. ...