Commercial Insurance in California

As Santa Monica, CA Business Insurance Agents, we know that all California businesses have to manage risks. For most companies the primary tool risk management tool is good commercial insurance. One of the first steps to take in order to make sure that your own business is property covered is to contact us for advice and competitive business insurance price quotes.

What Kind of Commercial Insurance Do California Businesses Need?

The exact type and amount of coverage depends upon the nature of the company. Of course, a dentist's needs will differ from a trucking company or donut shop. The California Department of Insurance lists these as some common kinds of commercial policies that business owners and managers may consider:

  • Property insurance
  • Liability insurance
  • Business interruption insurance
  • Workers' compensation

Small businesses might consider something called a business owners policy, usually shortened to BOP. These provide an all-in-one package of protection that may be cheaper and simpler to purchase and manage than purchasing every kind of coverage separately. Many insurers offer discounts to companies that place multiple lines of insurance with the same company.

In addition, quality insurance companies and agents can provide a lot of good advice about steps to take to keep premiums as low as possible. Business owners and managers might invest in improvements to their buildings or safety programs that can help reduce the risk of hazards and also help save money on commercial insurance premiums.

At Express Financial & Insurance Services, our experienced agents can help your business by providing multiple commercial insurance quotes to compare and advice about the right kind and amount of business insurance. With the right information and insurance coverage, you can minimize the risks to your business, so contact us today to get started.