Commercial Insurance in California
Commercial Insurance Requirements in California
If you own a business in California with any number of employees - regardless of whether they are full time or part-time - state law requires that you have a commercial insurance policy with workers' compensation included. In short, workers' compensation insurance covers the cost of medical bills associated with an employee's injury while on the job. In addition to workers' compensation insurance, California also requires businesses to carry commercial auto insurance if the company owns the vehicle. On that policy, you must bear state minimum coverage for the following: property damage liability and bodily injury liability with coverage for both one and multiple persons.
When it comes to an employee utilizing their personal vehicle for work purposes, like a pizza delivery driver, California does not require that separate insurance be carried. However, it is highly recommended that business owners supplement their employee's existing auto policy with hired and non-owned auto insurance because most personal auto policies exclude business use from their coverage.
While this information may sound confusing, it doesn't have to be. Contact the hardworking team at Alta Vista Insurance Agency in Vista, CA for assistance.
The Alta Vista Insurance Agency Difference
When it comes to shopping for insurance, we know that it can be overwhelming to have to choose from so many options and companies. That's why we look to simplify and streamline the process by taking the time to learn about our customers. Not only does this help us establish a strong rapport rooted in trust, but also it helps us determine what your insurance needs are. Once done, we work to customize an insurance policy that meets all your needs without breaking the bank. Give us a call today or stop by our conveniently located office in Vista, CA to schedule a no-obligation consultation.