Questions California business owners ask us

We start with a short conversation about your business, your current coverage, and what you need. If we're a good fit, we compare options from multiple carriers and walk you through the best coverage for the price.

The basics: what your business does, your annual revenue, your number of employees and payroll, your address, and your current policy if you have one. Loss runs for the last 3–5 years help too. Each industry page lists what to have ready.

We aren't tied to one insurance company. We compare options from multiple carriers so you can see your choices side by side.

Workers' compensation is required once you have employees, and vehicles your business owns need auto liability coverage. Beyond that, your lease, your clients' contracts, and your license often require general liability and other coverage.

A BOP bundles general liability and property coverage, and usually business income, into one policy. It's a simple way for many small businesses to cover their main risks in one policy, often at a better value than separate policies.

General liability covers injuries and property damage you cause. Professional liability, also called E&O, covers claims that your work or advice cost a client money.

No. Standard commercial property policies exclude earthquake damage. Commercial earthquake insurance is bought separately to cover the building, and it can include business income or lost rents while you repair. It isn't required by law in California, but many lenders require it. See commercial earthquake insurance →

Most earthquake policies use a percentage deductible, based on the building's insured value rather than a flat dollar amount. A higher percentage lowers the premium but means you pay more after a loss. We compare options from multiple carriers and walk you through what fits your building.

Yes. In California, workers' compensation is required as soon as you have one employee, part-time included.

Instead of a large deposit up front, you pay based on your actual payroll each pay period. It's easier on cash flow and lowers the chance of a big bill at audit.

At the end of the policy, the insurance company compares your estimated payroll with your actual payroll. If payroll was higher, you owe the difference; if it was lower, you may get money back.

Insurance protects your business. A surety bond protects your customer or the state, and guarantees you'll follow the rules or finish the job. If a claim is paid on your bond, you're expected to pay it back.

You pay a percentage of the bond amount, not the full amount. The rate depends on the type of bond, your credit, and for larger bonds, your business financials. A short review of your business is the best way to know your rate.

Contractor license bonds, bid, performance and payment bonds, DMV dealer bonds, freight broker bonds, tax preparer bonds, and more. See all surety bonds →

The same day. Current clients can request one from the Current Clients page.

It means your policy also protects them for claims tied to your work. It's added by an endorsement to your policy, not just listed on a certificate. Send us the contract language and we'll make sure it matches.

Finding what's most likely to cause a claim and doing something about it before it happens. Fewer claims means a better loss history and better pricing at renewal.

California requires every employer to have a written Injury and Illness Prevention Program (IIPP). We help our clients put one in place. See risk management →

Yes. Our office is in Long Beach, and we work with businesses across California.

Yes. Sí, con gusto le atendemos en español.

Monday to Friday, 8am to 6pm. Call (562) 548-2146 or book a consultation at a time that works for you.