California Business Insurance
Headquartered in Temecula, California, we understand the unique insurance needs of California businesses. From San Diego to San Francisco, we protect businesses across the Golden State.
Get a California QuoteCalifornia Insurance Expertise
California has some of the most stringent insurance requirements in the nation. As a California-based agency with our headquarters in Temecula, we understand the specific coverage needs and regulatory requirements for businesses operating in the state.
Whether you're a contractor in San Diego, a tech startup in San Francisco, or a restaurant in Los Angeles, we have the expertise and carrier relationships to find you the right coverage at competitive rates.
California Insurance Requirements
Workers' Compensation
California requires workers' compensation insurance for businesses with one or more employees. This includes full-time, part-time, and temporary workers.
- Required for 1+ employees
- Mandatory coverage
- Penalties for non-compliance
Commercial Auto
California requires minimum liability limits for commercial vehicles, but most businesses need higher coverage to protect their assets.
- State minimum: $15K/$30K/$5K
- Recommended: $1M liability
- Commercial use requires commercial policy
General Liability
While not legally required, general liability insurance is essential for California businesses and often required by leases and contracts.
- Protects against lawsuits
- Often required by contracts
- Typical minimum: $1M/$2M
Contractor License Bonds
California contractors must have a contractor's license bond to operate legally. The bond protects consumers from contractor fraud and poor workmanship.
- Required for CSLB license
- $25,000 bond amount
- Fast processing available
Based in Temecula, Serving All of California
Our office is located in Temecula, California, and we're proud to serve businesses throughout the state. From Southern California to the Bay Area and everywhere in between, we provide local expertise with statewide reach.
Ready to Protect Your California Business?
Get a customized insurance quote for your California business. We understand the state's requirements and can help you get compliant quickly.