Commercial Insurance in California

What is Commercial Insurance?

If you are the owner of a small business, then you have the responsibility of providing for employees - whether they are full time or past time. As a result, small business owners are required to carry additional insurance that protects both their livelihood, like their physical buildings and assets, but also their employee's safety and security while in the workplace.

California Commercial Insurance Requirements

California law requires that all businesses with at least one part-time or full-time employee, carry workers' compensation insurance. In short, workers' compensation is insurance coverage that is paid out when an employee is injured while working on the job. Not only does it protect the worker from losing wages due to an accident that wasn't their responsibility, but also it provides legality to the business. In addition to carrying workers' compensation, it is recommended that any business-owned vehicles be covered with commercial auto insurance. Generally speaking, personal auto insurance policies will not include an accident that happens if it occurred while the vehicle was being used for business purposes like for pizza delivery or similar.

When it comes to shopping for commercial insurance, there's no shortage of potential companies, but not all of them offer the same level of service and expertise. If you are in California, let Rock Hard Insurance Agency in Fontana, CA earn your business with our combination of exceptional customer service and industry-leading reputation. Our team of insurance professionals will take the time to answer all your questions so that you feel comfortable and confident in the commercial insurance policy you select. With so many options, we will walk you through each possible choice so you can understand the pros and cons while making an informed decision. Conveniently located in Fontana, CA, give Rock Hard Insurance Agency a call today and let us work to earn your business for life.

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