Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
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Business & Commercial Insurance Information
Ventura Beach & Southern California Commercial Insurance
As the largest economy in the United States, California offers plenty of opportunities for people who want to start or grow their businesses. But just starting your business and working hard is not enough to ensure your success. You’ll also want to protect your company with the benefits provided by an expansive commercial insurance portfolio.
Getting the right commercial insurance benefits might seem confusing given that there are many different policies on the market. You’ll probably need several of them to get the proper coverage. By placing your trust in Deyette Mccloskey & Associates, you’ll receive expert guidance on how to enroll in, coordinate and pay for the best commercial insurance options on the market.
We’re here to make your commercial insurance search simple and efficient. Give us a call now at (866) 444-9889 or simply click below to request your quote:
Common Business Insurance Questions
The correct business insurance package will include multiple benefits tailored to the specific liabilities you face within your commercial sphere. In the event of an unexpected loss, you’ll be able to use this coverage to help you afford the necessary recovery costs.You won’t face a significant overhead burden as you make the repairs and remittances necessary to get back on your feet.
Do all businesses in California require business insurance?
There are a multitude of business insurance policies to cover different facets of your organization. In many cases, industry and local regulations require you to buy certain coverage. These often include:
Commercial auto insurance to insure vehicles owned or used by the company.
General liability insurance for bodily injuries or property damage caused to third parties (such as customers) that are your fault.
Workers’ compensation to provide employees injured on the job with supplementary income and medical care.
Surety bonds that are required by many clients before they will sign contracts with you.
Other benefits that you should consider buying are:
Commercial Property Insurance
Equipment Breakdown Coverage
Cyber Liability Insurance
Business Interruption Insurance
Hired/Non-Owned Auto Liability Coverage
Errors & Omissions (E&O) Coverage
Employment Practices Liability Insurance (EPLI)
Commercial Umbrella Insurance
Special Event Insurance
More specific policies might also be necessary depending on your industry.
To start building a strong commercial insurance package, many small business owners choose to buy a Business Owners Policy (BOP). This is a package of coverage that provides property, general liability and business interruption coverage in one place and at one price. You can augment the BOP further with policy endorsements and other coverage options.
Do you need workers’ compensation insurance in California?
Nearly all employers with at least one employee must carry workers’ compensation insurance. Both part-time employees and contractors usually qualify for workers’ compensation benefits through the employer. Sole proprietors, depending on their industry, might have to buy workers’ compensation insurance, too.
What does business insurance cost in California?
Your commercial insurance prices can vary significantly depending on factors like the size of your business, your chosen coverage limits, industry risks, your history of insurance claims and other risk variables. However, your agent will work side by side with you to comprehensively analyze your coverage needs and advise you on the most affordable way to get this coverage. We can strike the right balance between your coverage and your cost needs to ensure your policy provides optimized benefits.