Customized protection for your California business
California business owners should consider several types of business insurance for legal and financial reasons. A variety of work-related incidents, such as an employee injury or a commercial vehicle accident, could result in debts that threaten their business operations and livelihood.
There are 4.1 million small businesses in California that account for nearly 99.8% of all businesses in the state, according to the Small Business Administration (SBA). These small businesses collectively employ 7.5 million people and are required by California state law to protect them with workers’ compensation insurance.
The Progressive Advantage® Business Program will help you get a customized California business insurance quote that reflects your unique needs.
Types of CA business insurance
How much does business insurance cost in California?
The cost of business insurance in California depends on a business’s industry, coverage needs, size and location. For example, a business in San Francisco can expect a different rate than one in Los Angeles. Additionally, a business that has employees might pay more than a business that doesn’t.
However, the most influential cost factor is the level of risk associated with the type of work that’s done. For example, manufacturers and certain contractors are considered higher risk because their work is physical and includes the use of heavy tools and machinery. These types of professions can expect to pay more for coverage due to their increased exposure.
Learn more about the factors that influence business insurance rates. You can also get a quote online to find out what you’ll pay for your unique situation.
California business insurance requirements
Most coverages aren’t required by California state law except for workers’ compensation. Any business that has employees is required to have workers’ comp coverage through the state’s insurance fund or through a private insurance carrier.
While California doesn’t require businesses to carry other coverages, such as general liability, many prospective clients and employers do. Their requirements frequently appear in contracts that specify the coverage types and limits you must carry before you’re allowed to start working for them.
We can help you secure these and any other California business insurance coverages you might need. Simply call us or start a quote online.
Resources for California small business owners:
- Commercial Insurance Guide (California Department of Insurance)
- Workers’ Compensation in California (California Department of Insurance)
- Workers’ Comp FAQs (California Department of Industrial Relations)
- 2023 California Small Business Profile (U.S. Small Business Administration)
- 2018 California Workplace Injury Data (U.S. Bureau of Labor Statistics)
California professions we insure
We help small business owners from a wide variety of industries, including these common professions:
- Contractors
- Landscapers
- Technology / IT specialists
- Cleaning services
- Construction workers
- Handymen
- Restaurants
- Event planners
Browse more examples of professions we insure.
Why choose Progressive?
Business insurance for all California cities
We can customize business insurance in all California cities, including, but not limited to:
- San Diego
- Los Angeles
- Fresno
- San Francisco
- San Jose
- Long Beach
- Sacramento
- Oakland
- Bakersfield
- Anaheim
