Commercial General Liability (CGL) insurance helps protect your business if someone claims you caused injury, property damage, or personal harm. It covers things like customer slip-and-fall accidents, damage you cause to someone else’s property while working, or claims of libel or slander.

This coverage helps pay for medical bills, repair costs, and legal expenses if your business gets sued because of these kinds of incidents.

Commercial Property Coverage helps protect the physical things your business owns or rents. This can include your building, furniture, equipment, inventory, and supplies. If these items are damaged or lost because of events like fire, theft, vandalism, or certain natural disasters, this insurance helps cover the cost to repair or replace them.

It can include protection for:

• The building itself (if you own it)

• Business equipment and tools

• Inventory and stock

• Furniture and fixtures

• Signs, fences, and landscaping (sometimes optional)

This coverage helps your business recover after unexpected damage or loss to your property.

A Business Owners Policy (BOP) bundles important types of insurance into one package to help protect small and medium-sized businesses. It usually combines:

• General liability insurance — covers claims of injury or property damage to others (like if a customer slips and falls at your business).

• Property insurance — covers damage to your building, equipment, or inventory from things like fire, theft, or certain storms.

A BOP is often more affordable than buying these coverages separately, and it’s designed to cover the common risks most businesses face.

In short: a BOP gives your business essential protection in one convenient, cost-effective policy.

Workers Compensation insurance helps protect your business and your employees if someone gets hurt or sick because of their job. It helps cover medical bills, lost wages, and rehabilitation costs for the injured worker. It can also provide benefits to the worker’s family if the injury leads to death.

In California, most businesses are required by law to have workers compensation coverage, even if you only have one employee. This helps ensure employees get support after a work-related injury or illness, and it helps protect your business from lawsuits related to those injuries.

Business (or Commercial) Auto insurance is designed to protect vehicles that are used for work purposes. If you or your employees drive cars, trucks, or vans for business — whether it’s making deliveries, visiting clients, or transporting tools and equipment — this coverage helps keep your business safe.

It can help pay for damage if your business vehicle is in an accident, causes injury to someone, or damages property. It can also cover things like theft or vandalism of your business vehicle.

In short: it protects your business from the costs of accidents or damage involving vehicles used for work.

Inland Marine Coverage helps protect property that moves from place to place or property that stays at a location that isn’t your main business address. Despite the name, it has nothing to do with boats. It’s used for tools, equipment, goods in transit, and other valuable items that aren’t covered by regular property insurance while they’re away from your main location.

This coverage can help if those items are stolen, damaged, or lost while on the road, at a job site, or being stored offsite.

Commercial Crime Coverage helps protect your business from financial losses caused by crimes like theft, fraud, forgery, or employee dishonesty. It can cover situations where someone steals money, securities, or property from your business — whether it’s an employee taking cash or an outsider committing burglary or fraud.

This coverage helps safeguard your business against losses that regular property insurance usually doesn’t cover, especially when the loss comes from criminal acts.

Cyber Liability & Privacy Coverage helps protect your business if it’s hit by a data breach, cyberattack, or other cyber-related issue. It can cover the costs of things like notifying affected customers, restoring lost data, dealing with lawsuits, and recovering from hacking or ransomware attacks.

This coverage helps your business handle the financial and legal impact of protecting sensitive information and keeping your systems secure.

Garage & Dealers Insurance is designed for businesses that sell, service, store, or park vehicles. This includes car dealerships, repair shops, body shops, and tow truck companies.

It helps protect against claims for damage or injury that might happen during business operations, such as when a customer’s car is damaged while in your care or if there’s an accident involving a vehicle you own or are working on. It can also cover things like property damage, injuries on your lot, and damage to vehicles held for sale.

A commercial umbrella policy is extra insurance that provides added protection for your business. It kicks in when the limits on your other liability policies (like general liability, auto liability, or employer’s liability) aren’t enough to cover a big claim.

Think of it as a safety net — if a lawsuit or accident costs more than your regular insurance covers, the umbrella helps pay the rest (up to its limit). This helps protect your business from large, unexpected costs that could otherwise put you at financial risk.

Motor Carrier / Truckers Insurance provides protection for businesses that use trucks to transport goods — whether you’re hauling your own products or hauling for others. It helps cover accidents, injuries, or property damage involving your trucks.

This insurance can include coverage for your trucks, the cargo you’re carrying, and liability if your truck causes harm to others on the road. It’s essential for trucking companies, independent drivers, and anyone who operates commercial trucks as part of their business.

Liquor Liability insurance helps protect businesses that sell, serve, or distribute alcohol. It covers claims if your business is held responsible for someone getting injured or causing damage after being served alcohol.

For example, if a customer you served at your bar causes a car accident or gets into a fight, this insurance can help cover legal costs, settlements, or damages. Many states, including California, require or strongly encourage this coverage for businesses that deal with alcohol.

Fiduciary Liability Coverage helps protect businesses and their decision-makers if they’re accused of making mistakes in managing employee benefit plans, like retirement plans, health insurance, or pensions. If a claim is made that a plan was mishandled — for example, giving bad advice about investments or making an administrative error — this coverage can help pay for legal costs, settlements, or fines.

It helps safeguard your business and those responsible for overseeing employee benefits from the financial impact of claims related to their responsibilities as fiduciaries.

Boiler & Machinery coverage (also called Equipment Breakdown coverage) helps protect your business when certain equipment breaks down unexpectedly. Despite the old name, it’s not just for boilers — it can cover things like heating and cooling systems, electrical panels, computers, and production machines.

If this equipment suddenly fails because of something like a power surge, mechanical breakdown, or pressure issue, this coverage can help pay to repair or replace it. It can also help cover lost income if your business has to stop operating because of the breakdown.

In short: it protects your business from the costs of unexpected equipment failure.