Business Property & Liability Insurance

A third-party lawsuit is a common occurrence, especially in California, but many business owners don’t think of it until it’s too late. Our experienced agents will find a policy tailor-made to your unique business to protect against these scenarios. You can complete our online form to get your quote today!

Business Insurance 101

What is Business Property insurance and what does it cover?

Business property, also called commercial property, is an essential coverage plan when it comes to protecting the future of your business. We explain some of the common types of coverage so you can better understand your policy. 

Commercial property insurance is designed to protect:

  • Your building or office
  • Your inventory
  • Any outdoor signage
  • Landscaping and fencing
  • Furniture and equipment
  • Others’ property
  • Additional structures

Other coverages:

  • Business Income – helps keep your business financially sound while it recovers from an incident that stops or slows operations. 
    • Ex: Fire in a warehouse destroys equipment essential to production. Business income will help replace revenue that was lost until replacement equipment is operational. 
  • Equipment Breakdown – covers damage caused by electrical or mechanical equipment through explosions, breakdowns and electrical arcing.
What is Business Liability insurance and what does it cover?

Business liability, also known as commercial general liability, helps cover the costs of liability claims made against your business for a third party personal injury, property damage or advertising injury.

The following below are a few examples of incidents that a business liability policy can cover:

  • Bodily injury: A customer flips and falls on your floor and you’re legally liable for their injury.
  • Property damage: A tree falls on a client’s car in your parking lot.
  • Personal injury: A client sues for slander because your employee spread false rumors about him.

More Business Insurance

Workers’ Comp

Commercial Auto

Professional Liability

Bond Insurance

Business Property & Liability FAQs

What does "General Aggregate" mean?

In business liability insurance, general aggregate is the maximum amount of money the insurer will pay out during a policy period.

What does “Each Occurrence” mean?

In business liability insurance, each occurrence is the maximum amount of money the insurer will pay for all claims resulting from a single occurrence. No matter how many people are injured, how much property is damaged, or how many claimants may make claims.

Why do I need certificates of insurance from subcontractors?

These certificates from your subcontractors will prevent you from being charged for their exposure. An audit may require you to show proof that each subcontractor has their own insurance policy.

What is an audit? How does it work?

An audit requires your sales and payroll figures. The insurance carrier will then review the policy and either charge or credit the policyholder based upon the audit at the end of the policy term. Audits can be performed onsite by an auditor or via mail or telephone.

Is earthquake and flood covered in my business property insurance?

No, earthquake and flood coverage are not typically covered, but can be added to the policy upon request. Your physical assets are protected from fire, explosion, burst pipes, storms, theft and vandalism.

Get A Free Commercial General Liability Insurance Quote

Please fill out the form below to get a free commercial general liability insurance quote. If you’d rather do this over the phone or in person feel free to contact us directly.

General Information

Business Address

Business Information

IndividualPartnershipCorporationOther

Coverage

Please select the types of coverages you'd like. If you'd possibly like more than one, please select the options you'd like.

General Liability: DEFAULT

If you would like higher coverage than our default values, please contact us.

  • $2,000,000 per aggregate
  • $1,000,000 per occurrence
  • $300,000 per liability
  • $5,000 medical payments

Prior Insurance

Get A Free Commercial Property Insurance Quote

Please fill out the form below to get a free Commercial Property Insurance quote. If you’d rather do this over the phone or in person feel free to contact us directly.

General Information

Business Address

Business Information

IndividualPartnershipCorporationOther

Building

Coverage

Please select the types of coverages you'd like. If you'd possibly like more than one, please select the options you'd like.

10,00050,000100,000CustomNone

10,00050,000100,000CustomNone

Prior Insurance

If You Have Any Questions, Contact Us