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California Business Insurance

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California small business insurance

If you’re a small business owner in California and you are looking for liability insurance for your business, you have come to the right place! Hiscox offers a range of California small business insurance coverage for a wide variety of professional services businesses.

Liability insurance available in California 

We don’t offer a one-size-fits-all insurance plan. We tailor our small business insurance in California to meet your needs. Hiscox small business insurance products include:


General liability insurance also known as Commercial General Liability (CGL) protects your business from another person or business's claims of bodily injury, associated medical costs and damage to property.


  • Bodily injury: A client falls over your bag and you are legally liable for the injury. We will cover the subsequent claim and related medical expenses up to your General Liability policy's limits of liability.
  • Property damage and data loss: You spill coffee on a client’s server causing damage and loss of data. We will cover the subsequent claim up to your General Liability policy's limits of liability.
  • Personal injury: One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your General Liability policy's limits of liability, and pay for an attorney to defend you if necessary.


Learn more about general liability insurance.

Professional liability insurance, sometimes called errors and omissions insurance (E&O insurance) is coverage for another person's claims against businesses that provide professional and personal services. Some examples of what could be covered are below:  


  • Protection even if you haven’t made a mistake: You advise a client to change some internal processes to increase productivity. The recommendations aren’t implemented as you had specified and productivity subsequently drops by 15% rather than improving. Or if you manage the development of a new product. There are problems with the project (which are out of your control) and you cannot deliver the final product in a timely manner. If your client sues you, we  will appoint an attorney to defend you under a Professional Liability policy.
  • Negligent acts: You advise a client to update their employment practices. Six months later, your client contacts you, stating a part-time employee is suing the company. You had left out a key requirement on the amount of hours part-time employees are permitted to work. If your client sues you, we will appoint an attorney to defend you under a Professional Liability policy.


Learn more about professional liability insurance.


Business Owners Policy (BOP) is a combination of general liability and business property insurance. BOP insurance is often used to provide balanced coverage for small businesses who also want to protect their own business equipment. Some examples of what could be covered are below:   

  • Office insurance for fire and business interruption.
  • Electronic data loss insurance.
  • Hired or non-owned vehicle liability insurance.
  • Commercial Crime insurance to cover the dishonesty of your employees.

Learn more about business owners policy.

Example professions we insure in California:

How Hiscox can help you 

  • Flexible payment options: We offer you the option of making monthly payments (with no fees) to help you manage your cash flow.
  • Tailored Insurance: Insurance custom tailored to meet your needs and save you money
  • Claims responsiveness: When a covered claim is reported, we will immediately defend you even if the claim has no basis and, if necessary, appoint an attorney.
  • Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a US territory or Canada.



Not sure what type of California Business Insurance you need?

Get a fast, free quote now and get that Hiscox confidence behind your business, too. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday thru Friday from 8am-10pm EST.

Our products have been approved by the California Department of Insurance, and are underwritten by Hiscox Insurance Company Inc., an Illinois insurance company whose license number is 8754.

This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply any claim is covered. Coverage is subject to underwriting and may not be available in all states.


Administered by Hiscox Inc., a Delaware corporation that is a licensed insurance producer in all states and DC. 520 Madison Avenue, 32nd Floor, New York, NY 10022. In California, Hiscox Inc. does business as Hiscox Insurance Agency (license no.: 0F09668).

Contact Hiscox the small business insurance specialists, and speak to one of our licensed agents today!


Mon-Fri: 8am - 10pm EST