Looking for Business Insurance For California Companies?

Business Insurance for California Companies is what we specialize in — helping businesses of all sizes get the right protection at the right price.

Why Business Insurance for California Companies Is Essential

Whether you’re a one-person operation or managing a growing team, you need the right business insurance coverage to protect your livelihood. At Advice Insurance Agency, we specialize in helping California business owners find smart, affordable policies that fit their risk level, industry, and goals.

We work with a wide range of businesses — from general contractors and food trucks to tech startups, property managers, retail stores, and everything in between.

As a licensed California agency since 1992, we’ve got the experience to help you navigate coverage options for small and large commercial risks. If you’re looking for a fast quote on General Liability, Workers’ Comp, or even a Business Owners Policy (BOP), we can help.

Get started now — contact us or click for an instant quote for select businesses.

Why Businesses Choose Advice Insurance

Fast Quotes from Top-Rated Carriers
Custom Coverage for Small & Large Businesses
Over 30 Years Serving California Entrepreneurs
Real Advice from Real Agents — No Pressure
We Handle the Paperwork — You Focus on Your Business

What Kind of Business Insurance Do You Need?

General Liability Insurance

This is the foundation of most business policies. General Liability protects you if someone claims bodily injury or property damage caused by your operations. Whether you're a contractor, consultant, or storefront owner, this is your first line of defense.

Workers' Compensation

If you have employees, California law requires you to carry Workers’ Compensation. This policy covers medical costs and lost wages if your employees are hurt on the job. We’ll help you get coverage that keeps you compliant — without breaking the bank.

Business Owners Policy (BOP)

A BOP bundles General Liability and Commercial Property coverage in one cost-effective policy. It’s ideal for small businesses like retail stores, offices, and service companies that want broad protection at a good price.

Commercial Auto Insurance

If you use a vehicle for work — whether it’s a pickup for job sites or a fleet of delivery vans — personal auto won’t cover business use. We offer Commercial Auto policies for individual vehicles or fleets of all sizes.

Additional Options

We also offer Inland Marine (for tools & equipment), Professional Liability (E&O), Cyber Insurance, and more. Whether you’re a small operation or have a complex risk, we’ll help you find what fits.

Custom-Tailored Business Insurance for California Companies

Affordable Business Insurance for California Startups and Enterprises

From Side Hustles to Full-Scale Operations

Whether you're just launching a mobile business or managing a company with a full crew, we’ve got options for you. We work with national carriers as well as platforms like Thimble to give you real-time quotes for basic risks — and we also handle the more complicated stuff.

Need a fast quote for a small business? Click the button below for instant pricing through Thimble. You can bind coverage right away — and Advice Insurance stays your broker of record for service, help, and renewals.

Have a larger risk? Not sure what you need? Just fill out a short contact form and we’ll get back to you with customized options from traditional carriers who understand more complex business needs.

We help with:

Licensed & Unlicensed Contractors
Mobile Services (cleaning, tech, grooming)
Retail, Restaurants, and Commercial Offices
Property Owners & Managers
Special Events and One-Day Coverage

Looking for Business Insurance for California Companies? We offer expert help navigating general liability, BOPs, workers comp, and more.

Whether you're a contractor, retail shop, or startup, our Business Insurance for California Companies fits your unique needs.

Get a Business Insurance Quote Now

We’ve helped California businesses stay protected for over 30 years — and we’re here to help you too. Whether you need General Liability, a BOP, Workers’ Comp, or something more specialized, we’ll guide you every step of the way.

Click the button that fits your needs or call/text us at 626-930-1080 for help.

Prefer to talk to someone? We’re just a call or text away — no pushy sales talk, just solid advice and fast service from people who’ve been doing this a long time.

Understanding Business Insurance Coverage Limits

Most small businesses in California carry a standard General Liability limit of $1 million per occurrence and $2 million aggregate. This means your policy can cover up to $1 million for a single claim, and up to $2 million total for the policy period.

Here are some other common business insurance limits:

Workers' Compensation: Statutory limits, plus Employer’s Liability (often $1 million per occurrence)
Business Property: Based on replacement cost of your equipment, furnishings, or inventory
Commercial Auto: Often starts at $1 million combined single limit (CSL)
Professional Liability (E&O): Varies by industry — common minimum is $1 million per claim
Cyber Insurance: Coverage amounts range from $100,000 to $1 million for data breaches and digital risks

Helpful Links for Small Business Owners

Find Your Business Classification (NAICS Search) – Look up your industry code for quoting or licensing
Entrepreneur.com – National resource for business growth, startup ideas, and risk management tips
Insurance Journal – Commercial insurance news and small business coverage trends

Need help understanding what limits or coverage types are right for you? We're happy to break it down — just contact us here or call 626-930-1080.