(800) 956-3728 Business Insurance in California
You’ve worked hard to build your business. Mercury works hard to help you protect it.
As a trusted commercial insurance provider, we offer customizable business insurance in California designed to fit your needs and budget.
What Is California Business Insurance?
Running a business in California comes with its own set of challenges, from natural disasters and liability concerns to mandatory employee coverage.
A business owners policy (BOP) is a convenient way to bundle core coverages into one affordable plan.
Mercury’s business insurance combines:
- Commercial property coverage: Protects your building, equipment, and inventory.
- General liability insurance: Covers you if your business is responsible for third-party injury or property damage.
- Business income protection: Helps replace lost income if your operations are temporarily halted due to a covered event.
Our goal is to give you peace of mind, so you can focus on running your business without worrying about what could go wrong.
Types of California Business Owners Policies Offered by Mercury Insurance
Mercury offers tailored BOP insurance options to meet the specific needs of various types of businesses in the Golden State. Whether you own rental properties, commercial buildings, or a small local business, we have a solution for you.
California Habitational Insurance
Protect your residential rental properties, from single-family homes and duplexes to large apartment complexes.
Our habitational insurance is designed for landlords and property managers who need reliable coverage for their buildings and protection from liability risks.
California Lessors Risk Insurance
Lessors risk insurance protects your investment from property damage and shields you from liability claims that may arise on your premises.
If you own and lease out commercial properties like shopping centers, office buildings, or retail spaces, this coverage is for you.
California Small Business Insurance
We offer comprehensive protection for a wide range of small businesses, including restaurants, retail stores, professional offices, and service-based companies.
Our small business insurance policies are designed to cover everything from property and liability to employee dishonesty and equipment breakdown, all tailored to the needs of Main Street businesses.
Learn About California Business Auto InsuranceFrequently Asked Questions About Business Insurance in California
Is business insurance required in California?
Business insurance isn’t required for every company in California, but some types are. If you have employees (even just one), you’re legally required to carry workers’ compensation insurance. While general liability insurance isn’t mandated by the state, most landlords, clients, and vendors will ask for it before doing business with you.
What is California BOP Insurance?
A California business owners policy (BOP) combines general liability, property, and business interruption coverage into one simple package. It’s made for small and mid-sized businesses that want protection from common risks, like theft, injuries, or property damage.
How much is business insurance in California?
The cost of business insurance in California varies based on several factors, including your industry, business size, location, number of employees, claims history, and the specific coverage limits you select. For example, a contractor will have different risks and costs than a retail store owner. To get an accurate price, it’s best to speak with an agent who can provide a personalized quote.
How is a business owners insurance policy calculated in California?
Your business owners insurance policy premium in California is based on your company’s overall level of risk. When evaluating risk, insurers consider factors such as property value, annual revenue, number of employees, industry type, and claims history.
If your business faces higher risks, like operating in wildfire zones or handling heavy equipment, you’ll likely pay more. You can usually lower your costs by improving safety practices or bundling your coverages.