FAQs

No. Both are excluded from a business owners policy and are written separately. Earthquake is purchased as its own policy, typically with a deductible set as a percentage of ...

Not necessarily. It is often efficient, but the right structure depends on your risks. We help you compare the fit, not just the format.

No. Workers’ comp is separate and is required in California once you have employees.

Part B of the policy responds to certain lawsuits alleging employer responsibility for a work injury, beyond the standard benefits.

It depends on how the worker is classified under California law. Misclassification is a common issue, so we recommend you review this with us.

Yes. The requirement is triggered by having employees, not by how many hours they work.

Often, yes. Many small businesses combine it with property in a business owners policy. We can review whether that fits you.

Yes. Labor Code 3700 requires every employer to secure workers' compensation, and the obligation starts with the first employee. That has been the rule for decades, not a recent ...

It is a party, such as a landlord or client, added to your policy so they may have certain protection tied to your work. Contracts often require it. ...

No. Errors in your professional advice or services fall under professional liability (E&O), which is a separate policy.