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What insurance do small businesses need?
By Simple Lane Editorial Team · · 5 min read
The seven core small-business insurance types in order of priority with notes for San Diego operators.
Core small-business coverages
- General liability Foundational for nearly every business.
- Property Covers assets buildings, equipment, inventory.
- Business interruption Income replacement during a covered shutdown.
- Professional liability For service-based businesses giving advice or performing expert work.
- Workers compensation Required by California if you have employees.
- Cyber liability Data-breach response and ransomware recovery.
- Commercial auto Required if vehicles are used in the business.
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.