Commercial Insurance

Commercial insurance is vital to protect your company’s employees and property. It also protects your customers if they are injured while in your business. If you own a business in California, we can offer you coverage here at Valley Center Insurance Agency to keep your business running as it should.

Commercial Insurance Requirements

Laws in California require all businesses with full-time or part-time employees to have workers’ compensation insurance. This coverage is great because it covers medical expenses related to illness and work injuries.

All business-owned vehicles must also be covered with insurance in California with commercial auto insurance. You must all meet the minimum requirements, which are:

• Property damage liability coverage of at least $5,000
• Bodily injury liability of at least $15,000 for each person
• Bodily injury of at least $30,000 for each accident

Optional Insurance Coverage Options

Optional insurance coverages to protect your small business includes:

• Business owner’s policy - This is a combination of general liability and commercial property insurance in one policy. It is one of the most common insurance policies for small businesses.
• Cyber liability insurance - This coverage is vital to have because it helps businesses stay protected against cyber-attacks and data breaches. It also covers legal fees and other related expenses.
• Professional liability insurance - This coverage can help cover the costs of legal fees related to oversights and mistakes. This policy is also known as errors and omissions coverage.
• General liability insurance - This is another standard policy for businesses and protects your company against customer property damage and injuries. Your commercial lease may require you to obtain this policy.

Contact Us

If you’d like to obtain a quote for commercial insurance, you are on the right track in taking the first step to protecting your business. Head to our Valley Center Insurance Agency office to obtain a quote. We want to help your California business grow and be secure.