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Yes, we’re an insurance company – but we’re also human beings. And we believe that people are capable of achieving amazing things with the right encouragement and support. We put this belief into action by not only ensuring individuals and businesses are well protected, but by making an impact in ways that go beyond an insurance policy.

California Business Insurance Coverage

Business Owner Policy

Many businesses in California get a Business Owner’s Policy (BOP) as their insurance foundation. This ensures they have:
 
  • General liability insurance
  • Commercial property insurance
  • Business income insurance
A BOP can help protect your Golden State small business from claims that can come up during normal business operations. You’ll want to get a BOP if your business:
 
  • Could get sued for causing injuries or property damage to a third party
  • Has a rented or owned physical location
  • Uses physical or digital property that can get broken or stolen

Commercial General Liability

General liability insurance helps protect your business from claims that it caused bodily injury or property damage. This coverage is also known as commercial general liability and business liability insurance.
 
Business liability insurance in California can help your business if:
 
  • You accidentally damage a customer’s property while on the job
  • A customer slips and falls and gets injured at your business
  • Your business gets sued for slanderous comments you made about a competitor in an interview

Commercial Property

Commercial property insurance helps protect the owned or rented building you operate out of, as well as the equipment used to run your business. If your business’ building or property gets damaged, this insurance can help cover the repair and replacement costs.

Business Income

California business income insurance helps replace your lost income if you can’t open because of covered property damage, such as:
  • Fire
  • Wind
  • Theft

Minimum Liability

General liability insurance isn’t typically required for businesses in California, but be aware that the state doesn’t put a cap on liability lawsuit rewards. So, it makes sense to protect your business from potentially devastating costs of a large liability claim. A good rule of thumb is to get a minimum of $1 million in liability coverage, or at least an amount equal to the total value of your assets.

Commercial Auto

California commercial auto insurance helps keep you and your employees safe on the road if you drive for business. Commercial auto insurance is important if your business:
 
  • Owns, rents or leases cars or trucks
  • Has employees driving their own vehicles for business-related activities
  • Allows employees to drive company-owned vehicles
Check with the Department of Motor Vehicles to learn about the minimum coverages California drivers need for their automobile insurance.

Professional Liability

Mistakes happen on the job all the time. When they do, they have the potential to shut down your small business. If a mistake causes your customer financial harm, they can sue you. Professional liability insurance helps protect your business if you make a mistake in the professional services you provide which causes a customer financial harm. This coverage can help pay for your legal defense costs and settlements or judgments.

Workers Compensation

Employers in California have to carry workers’ compensation insurance. This coverage gives your employees benefits to help them recover from work-related injuries or illnesses. These benefits can help:
 
  • Pay for medical expenses
  • Cover ongoing care costs
  • Replace lost wages
California workers’ compensation insurance can help your business if an employee:
 
  • Falls on the ice while walking into the office and has to spend time away from work to recover
  • Injures their back while lifting a box in the workplace and has to go to the doctor for treatment, medication and physical therapy
  • Gets hurt in a car accident while driving to make a delivery

The Hartford Commercial Industries Covered

Our business insurance coverage can help many kinds of industries in California. A few industries we provide coverage for include:

For more information about The Hartford Small Business Insurance Products and Solutions call us at 661-977-3332.

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