General Liability
For everyday “oops” moments. Helps with third-party injury, property damage, and advertising injury claims — like a customer slipping in your space or damage caused at a job site.
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Choose the insurance type that fits your situation.
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Personal insurance
Property and association
Business insurance
Small business coverage guide
What kind of business insurance do small businesses need?
Every business is different, but most small businesses are trying to solve a few familiar problems: protecting customers, contracts, equipment, advice, data, employees, and income.
Business Owners Policy
A bundle for Main Street businesses. A BOP commonly combines general liability with business property coverage for offices, shops, studios, and service businesses.
Professional Liability
For advice, services, and expertise. Also called E&O, this can help if a client says your work, recommendation, design, or professional service caused them a financial loss.
Cyber Insurance
Because even small businesses get targeted. Helps with data breaches, ransomware, phishing, recovery costs, and the messy aftermath of a digital incident.
Business Property
For the things you use to operate. Can protect business equipment, inventory, furniture, tools, computers, and tenant improvements from covered losses.
Workers Compensation
For businesses with employees. Helps cover employee work injuries and is often required by state law once you hire staff.
Separate out-of-state quote path
Business located outside California?
If your business is not based in California, use this separate online quote path for common small-business insurance needs — from customer injuries and property damage to professional mistakes and cyber trouble.
Customer slip-and-fall?
Client says you made a mistake?
Business property got damaged?
Hackers causing chaos?
For businesses outside California only: consultants, contractors, designers, retailers, wellness pros, tech workers, professional services, and other Main Street businesses looking for business insurance.
Start an Out-of-State Business Quote
California FAIR Plan InsuranceUnderstand hard-to-place property risks and companion coverage issues.
Business Owners Policy CaliforniaA practical guide for eligible California small businesses.
Contractors General Liability CaliforniaSee how certificate and contract requirements shape the coverage discussion.
