Business Insurance

Protecting your business so you can focus on what you do best.

Every business has different risks. Whether you operate a restaurant, contractor business, professional practice, retail store, office, or another type of business, the right insurance can help protect your business, property, employees, and financial interests.

At VeritasPoint Insurance Services, we help business owners understand their insurance needs and explore coverage options based on their business operations, property, employees, customers, and risks.

Support available in English and Vietnamese.

Business Insurance Options

General Liability

General Liability Insurance can help protect your business against certain claims involving:

• Bodily injury

• Property damage

• Personal and advertising injury

• Certain lawsuits and legal defense costs

This coverage is commonly requested by landlords, customers, vendors, and other business partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) combines commonly needed business coverages into one policy for qualifying businesses.

A BOP may combine:

• General liability

• Commercial property

• Business income

• Other available coverages depending on the policy

Eligibility depends on the type and size of the business and the insurance company's underwriting guidelines.

Commercial Property

Commercial Property Insurance can help protect business property such as:

• Buildings

• Business personal property

• Equipment

• Furniture

• Inventory

• Certain improvements and betterments

Coverage depends on the policy, limits, deductibles, and covered causes of loss.

Business Income

If a covered loss temporarily prevents your business from operating, Business Income coverage may help replace certain lost income and cover certain continuing expenses, subject to the policy terms.

This can be especially important for businesses that depend on a physical location to operate.

Professional Liability

Professional Liability Insurance may help protect professionals against certain claims alleging mistakes, errors, omissions, or failure to perform professional services.

It may be relevant to businesses such as:

• Consultants

• Accountants

• Designers

• Technology professionals

• Real estate professionals

• Other professional service providers

Coverage requirements vary by profession.

Workers' Compensation

California generally requires employers to carry workers' compensation insurance when they have one or more employees, subject to specific legal exceptions.

Workers' compensation can provide benefits for eligible employees who suffer work-related injuries or illnesses.

If you have employees, we can help you understand your insurance options and requirements.

Workers' compensation requirements can be complex, so business owners should confirm their specific obligations under California law.

Commercial Auto

If your business owns vehicles or vehicles are used for business purposes, Commercial Auto Insurance may be appropriate.

Examples may include:

• Company vehicles

• Work trucks

• Delivery vehicles

• Vans

• Vehicles used by employees for business

• Vehicles transporting business property or equipment

Personal auto insurance and commercial auto insurance are not interchangeable.

We'll help you determine which type of coverage may be appropriate based on how the vehicle is owned and used.

Other Business Coverage Options

Depending on your business, additional coverage may include:

Cyber Liability

Protection for certain cyber-related risks, data breaches, and technology-related incidents.

Employment Practices Liability

Coverage that may help protect an employer against certain employment-related claims.

Commercial Umbrella

Additional liability protection above certain underlying commercial liability policies.

Equipment Breakdown

Protection for certain mechanical or electrical equipment failures.

Inland Marine

Coverage for certain business property while being transported or located away from the primary business premises.

Contractor Coverage

Insurance solutions designed around the risks faced by contractors and construction-related businesses.

Business Types We Can Help With

We can explore insurance solutions for many types of businesses, including:

• Restaurants & food businesses

• Contractors

• Auto repair & automotive businesses

• Retail stores

• Professional services

• Offices

• Property owners

• Cleaning businesses

• Beauty & personal care businesses

• Technology businesses

• Small service businesses

• And other eligible businesses

Coverage availability depends on the business operations and insurance company guidelines.

What We May Ask About Your Business

To help identify appropriate coverage, we may ask about:

• Type of business

• Years in business

• Business location

• Annual revenue

• Number of employees

• Payroll

• Property owned or leased

• Equipment

• Inventory

• Vehicles

• Contractors or subcontractors

• Professional services

• Customers and clients

• Certificates of insurance

• Prior claims

• Current insurance

• Other business activities

Providing accurate information helps us identify appropriate coverage options.

How We Help

At VeritasPoint Insurance Services, we don't believe every business needs the same insurance package.

We look at:

Your Business → Your Operations → Your Risks → Your Coverage → Your Budget

Our goal is to help you understand what coverage may be appropriate for your business and identify available insurance options.

Personalized support is available in English and Vietnamese.

Ready for a Business Insurance Review?

Whether you're:

• Starting a business

• Opening a new location

• Hiring employees

• Buying business property

• Adding vehicles

• Expanding your operations

• Reviewing your current insurance

• Looking for a new business insurance quote

We're here to help.

Request a Business Insurance Quote →

Contact VeritasPoint Insurance Services →