California business insurance.
Every coverage. One broker.
From the first employee to a multi-location operation — we build complete commercial insurance programs for California businesses. One call. 350+ carriers. No gaps.
What does your business actually need?
Select your business type and we'll show you the specific coverages that apply — what's required by law, what's strongly recommended, and what depends on your situation.
Complete Coverage Portfolio
Every business insurance line — explained
We handle every major commercial line. Here's what each one covers and who needs it.
General Liability
Third-party bodily injury, property damage, completed operations, and personal & advertising injury. The foundation of every business insurance program.
Workers' Compensation
Required for every California employer with one or more employees. Covers medical treatment, disability, and lost wages for work injuries.
Commercial Property
Covers your building, business personal property, equipment, inventory, and lost income if a covered loss temporarily closes your business.
Commercial Auto
Personal auto policies don't cover business use. Commercial auto covers vehicles used for business — owned, leased, hired, and non-owned.
Cyber Insurance
Covers data breaches, ransomware attacks, business interruption from cyber events, and regulatory penalties under California's CCPA.
Group Health Insurance
Medical, dental, vision, and life benefits for your employees. Required for 50+ FTE employers under the ACA. Competitive advantage for smaller businesses.
Commercial Umbrella
Provides $1M–$10M+ of additional liability protection above your GL and commercial auto limits. Essential for businesses with significant assets or contract requirements.
Professional Liability (E&O)
Covers claims from professional errors, omissions, or failures to perform. Separate from GL — essential for consultants, designers, IT professionals, and licensed professionals.
Inland Marine / Equipment Floater
Standard commercial property only covers your fixed location. Inland marine covers equipment at job sites, property in transit, and tools in vehicles.
Industry Programs
Insurance built for your specific industry
Every industry has unique exposures, required endorsements, and carrier preferences. Select yours to see what a complete program looks like.
Should you get a BOP — or
standalone policies?
A Business Owners Policy bundles GL and property at a lower combined cost. It's right for many small businesses — but not all. Here's how to think about it.
General Liability (included)
Third-party bodily injury, property damage, and Coverage B. Standard $1M/$2M limits with option to increase.
Commercial Property (included)
Building and business personal property at your location. Business interruption often bundled in.
Business Interruption (often included)
Lost income and ongoing expenses during a covered property closure — typically 12 months.
Qualifying Small Businesses
Retail stores, offices, small service businesses, restaurants (standard risk), and other businesses with a physical location, under $5M revenue, and standard operations. Lower combined premium than standalone policies.
High-Risk or Complex Businesses
Contractors, manufacturers, businesses needing limits above BOP caps, operations across multiple locations with large total values, or businesses with unusual exposures that admitted BOP carriers won't write.
We Compare Both Options
For every qualifying business, we check BOP pricing against standalone GL + property pricing to find which approach gives better coverage at lower cost. We show you both and explain the difference.
Serving All of California
Business insurance for every California market
We serve businesses in every California county — from solo contractors to established multi-location operations and everything in between.
FAQ
California business insurance explained
At minimum: general liability (required by most leases and clients), workers' comp (required by law for any employer with one or more employees), and commercial property if you own or lease a location. Depending on your business: commercial auto, cyber insurance, professional liability, and commercial umbrella may also be needed.
A BOP bundles general liability and commercial property insurance at a lower combined cost than buying separately. It's designed for small to mid-size businesses with physical locations. BOPs typically include GL, property, and business interruption. Not all businesses qualify — contractors, manufacturers, and large businesses typically need standalone policies.
Costs vary widely by industry, revenue, payroll, and coverage types. A small office business might pay $500-$2,000/year for GL alone. A contractor with employees might pay $15,000-$50,000+ when GL, workers comp, and commercial auto are combined. An independent broker compares 350+ carriers to find competitive pricing for your specific situation.
Yes. California Labor Code § 3700 requires all employers with one or more employees to carry workers' compensation. This includes part-time and seasonal employees. Operating without required workers' comp is a criminal offense — fines up to $10,000, stop-work orders, and personal liability for all injury costs.
A captive agent works for one carrier and can generally only offer that company's products. An independent broker like Bollinsure represents 350+ carriers and compares pricing and coverage across the market. For most California businesses, working with an independent broker produces better coverage at more competitive pricing — because we shop your risk to the entire market.
Any California business that stores customer data, processes payments, or relies on computer systems should have cyber insurance. California's CCPA creates specific breach notification and liability requirements. Standard GL and property policies explicitly exclude cyber events. With ransomware attacks affecting businesses of all sizes, cyber insurance has become essential for most California operations.
Free California business
insurance review.
Tell us about your business. We'll identify what you need, what you don't, and compare 350+ carriers to find the right coverage at the right price.