Usually yes, because it also needs commercial property for the space and contents, business interruption for income lost after a closure, and liquor liability if it serves alcohol. ...
Worth serious consideration, because flood is excluded from standard California home policies and this area sits low and close to the water, where surface water has a short path ...
Most carry general liability and commercial property, add professional liability or errors and omissions for the work they deliver, and layer in cyber liability for the client and product ...





