Commercial Insurance · California
Every commercial coverage we place in California.
Grouped the way a program is actually built, rather than alphabetically. If you are not sure which of these you need, send your declarations pages and a named broker will tell you what is missing.
At a glance
The program
How the whole thing is written
Commercial Package Policy
Several lines on one policy with no eligibility ceiling. What replaces a BOP when a company outgrows it.
Business Owner’s Policy
A pre-set bundle for smaller and simpler risks, with fixed sublimits and an eligibility limit.
Core lines
What almost every California business carries
General Liability
The base layer most leases and contracts require, including products and completed operations.
Workers’ Compensation
Mandatory in California the moment you have employees. Classification and the experience mod set the price.
Commercial Property
Buildings, contents, equipment and the income they produce, at the locations on the policy.
Commercial Auto
Owned, hired and non-owned vehicles, and the people driving them.
Commercial Umbrella
Excess limits above the primary policies, because real contracts ask for more than a primary limit.
Business Income
Lost profit and continuing expenses while you cannot trade, plus the cost of trading elsewhere.
Management and professional
The lines that answer decisions, not accidents
Cyber Liability
Breach response, notification, extortion and the liability that follows a hack.
Errors and Omissions
The advice and the work you deliver, when it turns out to be wrong.
Directors and Officers
Claims against the people running the company, brought by investors, regulators or each other.
Employment Practices Liability
Wrongful termination, discrimination and harassment claims from your own staff.
Property that moves
Everything the property policy stops covering at your gate
Inland Marine
Equipment, tools and goods in transit or held away from your own premises.
Contractors Equipment
Owned, rented and leased machines on the job site, in transit and parked overnight.
Builders Risk
A structure while it is being built, from groundbreaking to the certificate of occupancy.
Equipment Breakdown
The mechanical, electrical and pressure failure that property insurance excludes.
Goods in your care
When the most valuable thing in the building is not yours
Warehouse Legal Liability
Customer goods damaged in your care, custody or control, which general liability excludes.
Bailee Coverage
The broader form, which can respond whether or not you were at fault.
Product
For anyone putting a physical product into commerce
Product Liability
California strict liability reaches the maker, the distributor and the retailer alike.
Product Recall
The cost of getting it back, which product liability does not pay.
Electronics Manufacturers
Consigned customer material, production equipment lead times and downstream product exposure.
Food and Beverage Manufacturers
Contamination, spoilage from a refrigeration failure, and retailer chargebacks in a recall.
Specialist lines
The coverages a smaller business rarely buys
Commercial Crime
Employee theft, forgery, funds transfer fraud and social engineering, all excluded elsewhere.
Guides
For the buyer who already has a broker
Running an Insurance RFP
Why three brokers is not three quotes, and what a real marketing timeline looks like.
Certificate Compliance
Why your certificate keeps getting rejected, and which endorsement actually fixes it.
Contractual Risk Transfer
Indemnity clauses, and what California Civil Code section 2782 will not let you sign.
Switching Brokers
One letter, no lapse, no extra premium, and the two times you should wait.
Next step
Not sure which of these you actually need
Send your declarations pages. A named California broker reads them and tells you plainly what your current program does not cover, before any conversation about moving. No call center.
A licensed broker reviews every submission. Already have your paperwork? Upload your declarations pages with a program review request.
Reviewed by Emmi Ensign, a licensed California broker at Golden Benchmark Insurance Services (agency CA License 0D06566), which has placed commercial insurance for California businesses since 1988. Named broker on every policy we place.