business insurance
What does business insurance cover?
By Simple Lane Editorial Team · · 6 min read
The eight coverages that show up in most San Diego small-business insurance programs and when to add each.
Business insurance is a menu, not a single product. Here are the eight most common coverages we build into programs for San Diego small businesses.
- Commercial property Buildings, equipment, inventory.
- Builder’s risk In-progress construction.
- General liability Third-party bodily injury and property damage.
- Product liability Claims from product defects or related injuries.
- Professional liability (E&O) Negligent-advice claims for service businesses.
- Business interruption Lost income during covered shutdowns.
- Workers compensation Required by California for any business with employees.
- Commercial auto Vehicles used for business.
- Cyber Data breach and ransomware response.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.