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+ insurance markets. 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.
Workers' Compensation
CA Labor Code coverage for employees, with payroll, class codes, and experience mod reviewed at renewal.
General Liability + Completed Operations
Premises, ongoing operations, completed operations tail, additional insured, and project owner wording.
Commercial Auto
Owned, hired, and non-owned vehicles used for business, including jobsite and materials runs.
Inland Marine / Equipment Floater
Tools, mobile equipment, rented equipment, and property away from the shop.
Commercial Umbrella
Higher limits for contracts, larger jobs, and project owner requirements.
California Contractor Insurance Insights
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, loss history, location, coverage, and carrier appetite. An independent broker can review the program and compare appropriate available markets when remarketing may improve the result.
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 generally offers one carrier's products. An independent broker is not tied to one carrier. Bollinsure has access to 350+ insurance markets and can compare appropriate available options based on the business, coverage needs, underwriting, and carrier appetite.
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.
Complimentary California business
insurance review.
Tell us about your business. We will review what you have, identify material gaps, and compare appropriate available markets when a change may help.
The complete California business insurance guide.
What a Business Owner's Policy bundles and excludes, the core coverages every business needs, and the specialty policies that fill the gaps — in one comprehensive resource.