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I don’t have employees: Do I still need commercial insurance?

If you are familiar with how insurance works in San Diego, CA, the chances are that you already figured that you need commercial insurance for your business. Whether it is a small startup or a large company, the Insurance Pros of California recommend having a form of coverage that will protect your business. To answer our title question–Yes, you still need commercial insurance even if you don’t have employees. The only protection you may not need is worker’s compensation insurance.

The importance of commercial insurance.

Starting a business means exposing yourself to unknown risks, including natural perils. While you cannot prevent accidents from happening, you can prepare financially to handle the outcomes of any catastrophic event. That is where commercial insurance comes in. If your business involves having clients, partners, and other customers coming to the premises, you may need adequate coverage to protect them in case of accidents that may quickly result in lawsuits.

Commercial insurance in California

The California law requires you to have a worker’s compensation insurance if you have one or more employees. Depending on your business location, you may also need to get disability insurance. Even if your business does not require employees, having various coverages like vehicle insurance and business owners policy (BOP) can help you have sound financial security for your business. For instance, BOP covers property damage, business income, and general liability. Such coverage will help provide you with peace of mind so you can focus on other critical masters of the business.

If you just opened your business or intend to open one, we recommend buying commercial insurance to avoid significant financial losses. Anything can happen to your new business. Therefore, consider protecting it as early as possible. To help you choose some of the coverages that you may need, contact the Insurance Pros of California today. 

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