Small business insurance in california with Huckleberry insurance

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Small business insurance in california with Huckleberry insurance

Small business insurance in California

California is home to more than 4 million small businesses—which bring in over $162 billion in annual revenue and employ 18% of working Californians. Put simply: if you run a small business in California, you’re part of a major driver of our economy—and you need small business insurance to stay protected against the unexpected. Huckleberry can get you the coverages your business needs in about 5 minutes. (Don’t worry. Everything’s online and super easy.)

The most common types of small business insurance in California

Small business insurance in california with Huckleberry insurance

Workers’ comp protects your employees if they ever get injured or sick because of their job. It’ll pay for an injured employee’s medical treatment, lost wages, and ongoing rehabilitation.

Small business insurance in california with Huckleberry insurance

A business owner’s policy (also known as a BOP) can protect your small business in many unforeseen circumstances. It’s a bundle of important coverages that includes general liability insurance, property insurance, and business interruption insurance.

If someone ever sues you or your company for property damage or physical injury, general liability insurance will pay out to help cover your legal expenses and settlement.

Business property insurance covers the building itself (in case it’s ever damaged or destroyed), while business personal property insurance covers the stuff inside your building.

Business interruption coverage will help your business survive if it’s ever forced to close for a covered reason. It’ll pay out to cover your payroll (or even the cost of a temporary location) while you work to get your business back to full speed.

Small business insurance in california with Huckleberry insurance

How much do Californians pay for small business insurance?

Well, the median premium cost that Huckleberry customers pay for workers’ comp is $1,354 per year. (The median cost for a Business Owner’s Policy is $502, and for general liability coverage it’s $665.)

But these numbers don’t tell the whole story. Rates vary widely and your price will change based on where your business is and what industry you’re in. So your rate could be higher—or much lower. The best and quickest way to find out what you’d pay for small business insurance is to get a 60-second estimate.

Other coverages you can add to your California policy

Employment Practices Liability

Employment practices liability insurance (often called EPLI) protects your company if one of your employees claims harassment, discrimination, or wrongful termination.

Hired and Non-Owned Auto

Hired and non-owned auto liability is there to protect your business from a lawsuit if someone from your company ever causes damage with a vehicle that isn’t owned by the business.

Professional Liability

If your restaurant ever sells alcohol to a visibly intoxicated person—who then causes damage to someone or something else—liquor liability will pay out to cover legal expenses, medical expenses, and property damage.

Liquor Liability

If your restaurant ever sells alcohol to a visibly intoxicated person—who then causes damage to someone or something else—liquor liability will pay out to cover legal expenses, medical expenses, and property damage.

Spoilage

A spoilage policy protects you from financial losses if you ever lose food or beverages from a power outage or other covered event.

Equipment Breakdown

If your business relies on electrical or mechanical equipment to get the job done, you’ll want this coverage. It will pay to repair or replace your equipment if it breaks.

Restaurant Endorsement

This is a bundle of specific coverages which will protect your restaurant in many unexpected situations.

Employee Dishonesty

If an employee ever steals from you—directly or indirectly—employee dishonesty coverage will compensate your business for financial losses.

The most common industries getting small business insurance in California

Landscaping & Lawn Care

Landscaping & Lawn Care

Commercial Cleaning

Commercial Cleaning

Heating & Air Conditioning

Heating & Air Conditioning

Small business insurance in california with Huckleberry insurance

3 reasons why business owners in California love Huckleberry

  1. It’s really, really fast. 95% of Huckleberry customers get the coverage they need in five minutes. (The same process can take weeks with a legacy insurer!)
  2. You can manage everything through our easy online portal—no paperwork. Plus, we explain everything in simple English so you’ll always feel confident making insurance decisions.
  3. There’s a good chance you’ll pay less. Maybe a lot less.

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