Business Insurance in California
California requires workers' comp for every employer. GL minimums reach $1M. Premiums run 20–25% above the national average. Find the right coverage for your industry with a free 10-minute quote.
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Insurance Requirements in California
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Workers Comp
Required for 1+ employees
🛡️
GL Minimum
$1,000,000 per occurrence (typical)
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Key Requirement
Workers comp required for all employers (strictest enforcement)
California-Specific Requirements
- ✓Workers comp required for all employers (strictest enforcement)
- ✓CSLB requires $25K contractor bond + liability
- ✓AB5 impacts contractor classifications
- ✓CCPA compliance for data-handling businesses
Insurance by Industry in California
Every industry has unique risk factors in California. Find your industry below.
🏗️General Contractor🍽️Restaurant🧹Cleaning Services🌿Landscaping & Lawn Care⚡Electrical Contractor🔧Plumbing Contractor❄️HVAC Contractor🏠Roofing Contractor🛠️Handyman Services✂️Hair Salon & Barbershop🏋️Personal Trainer🚛Trucking Company🔩Auto Repair Shop🧒Daycare & Childcare🛍️Retail Store💼Consulting Firm📷Photography & Videography🏡Real Estate Brokerage🏭Manufacturing👷Construction
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Business Insurance FAQs — California
Yes. California requires workers' comp for 1+ employees. Non-compliance can result in fines, stop-work orders, and personal liability for employee injury lawsuits.