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Hundreds of small businesses are re-locating to every year. These small businesses help employ thousands of workers in this beautiful state. It’s crucial for these companies to have the appropriate types of business insurance in . Our insurance coverage can help all kinds of small businesses throughout CA

Types of Business Insurance Offered in

Many . businesses have a Business Owner’s Policy (BOP). It combines three essential coverages into one:
 
  • General liability insurance
  • Commercial property insurance
  • Business income insurance
A BOP can help if your . business has:
  • The potential to get sued by customers or clients for bodily injury or property damage
  • A physical location
  • Physical or digital property that can get damaged or stolen

General Liability Insurance in .

General liability insurance helps protect your business if someone claims it caused them bodily injury or property damage. It’s a coverage that many small businesses need because claims can come up during normal business operations. General liability insurance in . can also help cover claims of advertising injury, like libel or slander.
 

Commercial Auto Insurance in .

Commercial auto insurance helps protect you and your employees on . roads if you’re driving for business. Commercial auto insurance in . can help your business with cases of:
  • Bodily injury, like if you accidentally hit a pedestrian and they need medical attention.
  • Property damage, such as damages to another person’s car.
  • Collision if your employee totals your company vehicle while making a delivery.
You’ll want to get commercial car insurance in . if you:
  • Own, lease or rent trucks and cars for your business
  • Have employees who drive their own vehicles for business purposes
  • Allow your team to drive company vehicles for work

. Business Income Insurance

Business income insurance helps replace your lost income if you can’t open because of covered property damage, including:
  • Fire
  • Wind
  • Theft
This is an essential coverage because it can help your . business continue to pay for expenses while it’s closed, such as bills and payroll.

. Professional Liability Insurance

Professional liability insurance helps protect your . business if someone sues you for making a mistake in the professional services you’ve provided. This coverage is also known as errors and omissions insurance. Many types of . businesses have this coverage, including consultants, accountants and technology professionals.

. Liability Insurance Requirements

Business insurance laws vary by state. . requires most employers to carry Workers Compensation Insurance. Businesses in the state with one or more workers must buy an . Workers’ Compensation policy. This insurance gives employees benefits to help them recover from a work-related injury or illness.

Get Insurance Quotes in .
When it comes to protecting your . small business, it’s important to work with an insurance company you can trust. We’re backed by more than 200 years of experience and have helped more than 1 million small business owners.
We know every business is unique, and we pride ourselves on helping each one get the types of insurance they need. Get an . business insurance quote online or call us to learn how we can help protect your small business at 415-664-4199.

Additional . Business Insurance Links

Let Mike McFarlin Insurance Agency help you choose a policy that will fit your individual needs.  Protecting your assets, whether personal, business, or both, is our goal.  A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. When you are considering business coverage in please call, or send us an online quote request!


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