FAQs

Often yes. General liability typically responds to injuries tied to your premises and operations, while product liability focuses on harm alleged to be caused by the product itself. Manufacturers ...

In California, yes. Workers’ compensation is required once you have any employees, regardless of how small the team is.

Often yes. Employment claims such as harassment or wrongful termination can arise in offices of any size, and defense costs alone can be significant.

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 ...