Business Insurance in Central California
Running a business in California comes with unique opportunities and challenges. At Sanguinetti & Co. Insurance, Mark Twain Insurance Services, we are dedicated to helping local businesses find the right insurance policies to protect their finances and support long-term growth.
What Policies Are Required in California? 
California requires most businesses to purchase workers’ compensation insurance from a licensed insurance company or through the State Compensation Insurance Fund. This policy can cover employees’ medical expenses, funeral benefits and lost wages after a workplace accident. Its employers liability component can also protect your company’s finances if an employee sues after an incident.
Commercial auto insurance is also required for vehicles used for business purposes in California. It can cover repairs caused by accidents, fire, theft, vandalism and natural disasters, as well as related expenses if you’re liable for causing third-party damage while operating the vehicle.
What Are My Other Options?
Your broker may recommend the following policies based on your circumstances, coverage needs and risk profile:
- Business interruption insurance can be helpful if you’re forced to temporarily close your business due to a covered occurrence.
- General liability insurance can cover relevant expenses if your company is held liable for third-party bodily injuries, personal injuries, advertising injuries and property damage.
- Commercial property insurance can help pay for the repair or replacement of buildings, inventory, equipment and furniture damaged by a covered risk.
- Commercial umbrella insurance can cover liability losses that exceed the limits of your other policies.
- Professional liability insurance can protect your company’s finances if a customer claims negligence in the service you provided.
How Sanguinetti & Co. Insurance, Mark Twain Insurance Services Supports Local Businesses
Our team works closely with our clients to assess their unique risks, explain coverage options and recommend insurance solutions that fit their needs and budget.
Contact Sanguinetti & Co. Insurance, Mark Twain Insurance Services today to request a personalized quote.