California Commercial Insurance Basics

Owning a business comes with a long list of responsibilities, including one new business owners often forget: securing the proper insurance coverage.

In California, several types of commercial insurance policies are available for business owners.

Talk to the experts at Biddle-Shaw Insurance Services in San Francisco, CA, to learn about the best commercial insurance policies to help small business owners protect their businesses! 

Five Things You Need To Know About Commercial Insurance in California

#1. The type and amount of commercial insurance coverage you need will depend on the specific needs of your business.

Find the best commercial insurance coverage for your needs by talking to a licensed and experienced insurance agent about your goals.

#2. Commercial auto insurance is required if you own or operate a vehicle for business purposes.

California business owners who use a vehicle for day-to-day business operations (including deliveries) must be covered by the proper commercial insurance policy or have auto insurance.

#3. Employer’s liability insurance may be required for any businesses with employees in California.

Commercial insurance policies with liability coverage can help protect your business from financial loss or lawsuits if an employee is injured.

#4. If you lease or rent commercial property, you will need to carry commercial property insurance.

A commercial insurance policy can protect your business belongings and office equipment in the event of damage, theft, and unexpected financial loss.

#5. Product liability insurance is vital for any business that manufactures, sells, or distributes products to consumers.

This commercial coverage protects your business against claims arising from injuries or damages caused by a defective product.

Contact Biddle-Shaw Insurance Services Inc. for a free San Fransico, CA quote!