Business Insurance in Sacramento, CA

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Which policies are recommended for Sacramento businesses?

Sacramento is a great city for small businesses and startups alike. Protect your Sacramento small business with the following popular insurance policies.

General liability insurance icon

General liability insurance

A general liability policy pays for legal costs from customer accidents, as well as defamation and copyright infringement claims. Commercial leases in Sacramento often require this coverage.

BEST FOR
  • Customer accidents at your business
  • Damage to a customer's property
  • Slander and other advertising injuries
Professional liability insurance icon

Professional liability insurance

A professional liability policy covers legal costs related to claims of negligence, such as advice that caused a client to lose money. It's sometimes called errors and omissions insurance (E&O).

BEST FOR
  • Mistakes that cause financial loss
  • Accusations of professional negligence
  • Missed deadlines
Cyber insurance icon

Cyber insurance

Cyber insurance helps small businesses in Sacramento recover after a data breach or a cyberattack. Every business that handles customer information should have this coverage.

BEST FOR
  • Data breach notification costs
  • Fraud monitoring services
  • PR campaigns after a breach
Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is an affordable way to buy general liability and commercial property insurance together. It's recommended for all small, low-risk businesses in Sacramento.

BEST FOR
  • Customer slip-and-fall injuries
  • Damaged business property
  • Theft and vandalism
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers' comp is required for all California businesses that have employees. It also covers work-related injuries for sole proprietors, which health insurance may deny.

BEST FOR
  • Medical bills from job-related injuries
  • Disability benefits
  • Lawsuits from injured workers
Commercial auto insurance icon

Commercial auto insurance

All vehicles owned by Sacramento businesses must be covered by commercial auto insurance. This policy primarily covers injuries and property damage caused by your vehicle.

BEST FOR
  • Injuries from an auto accident
  • Damage caused by your vehicle
  • Lawsuits from an auto accident
Errors and omissions insurance icon

Errors and omissions insurance

E&O insurance protects consultants and professional services against legal defense costs from dissatisfied clients. It's also called professional liability insurance.

BEST FOR
  • Errors and oversights
  • Breach of contract
  • Professional negligence
Commercial property insurance icon

Commercial property insurance

This policy covers physical damage to a Sacramento business's building and its contents, including any computers and equipment. You can bundle it with general liability in a BOP.

BEST FOR
  • Fires
  • Burst pipes
  • Storm damage
Umbrella / excess liability insurance icon

Commercial umbrella insurance

An umbrella policy provides coverage once the limit is reached on your underlying general liability insurance, commercial auto insurance, or employer's liability insurance.

BEST FOR
  • Customer lawsuits
  • Auto accident lawsuits
  • Employee injury lawsuits
Looking for different coverage? See more policies.

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Which business insurance policies are required in Sacramento?

State laws determine the type of coverage you need. These policies help you comply with Sacramento business insurance requirements.
Purple check mark

Workers' compensation insurance

California state law requires all small businesses to carry workers' compensation insurance if they have employees, even if those employees are part-time.

Specific industries, such as contractors, must carry workers' compensation even if they are independent contractors or don't have employees.

Workers' compensation covers medical costs if you or one of your employees is injured on the job. It also covers disability benefits and expenses if your Sacramento workers need to take time off to recover from an accident or injury that occurred at work.

Purple check mark

Commercial auto insurance

In California, all companies with commercial vehicles are required to carry commercial auto insurance. This policy covers legal costs, medical payments, and damages resulting from auto accidents that take place during business operations.

Sacramento small business owners need to carry the minimum California auto liability coverage of:

  • $15,000 per person in bodily injury liability or death liability
  • $30,000 for multiple people in bodily injury liability or death liability
  • $5,000 per accident in property damage

Failing to have the minimum coverage can result in fines, vehicle impound, license suspension, and higher premiums. You may want to consider additional coverage for exceptionally costly accidents or lawsuits.

If you or any of your employees plan on driving a personal vehicle for work purposes, you'll need additional liability coverage called a hired and non-owned auto (HNOA) insurance policy.

Having the proper coverage is essential because personal auto insurance will typically not cover accidents that occur during work-related activities.

How much does business insurance in Sacramento cost?

A small business owner calculating their small business insurance payments

Small businesses in Sacramento don't have to pay a lot for commercial insurance. Here are a few average costs for California businesses:

General liability: $42 per month
Workers' comp: $62 per month
Professional liability/E&O: $82 per month

The cost of business insurance depends on factors such as:

  • Type of business
  • Business operations
  • Number of employees
  • Policy limits and deductibles
  • Claims history

How to get insurance for your Sacramento business

View video transcript.

We're on top of your small and medium-sized business insurance needs. We'll help you find policies that protect what you've worked so hard to build. Start here.

Tell us about yourself. Questions? We've got your back. The info you share is secure. We'll double-check it and a pro with experience in your field will be in touch.

Fast? You can compare quotes from leading insurance providers in seconds and get a certificate of insurance the same day.

Always online, always on your side. Helping protect your business.

Are you ready to get insurance coverage for your Sacramento business? Complete Insureon's easy online application to get a quote today from top-rated providers.

FAQs about Sacramento business insurance

Review answers to commonly asked questions about insurance for Sacramento small businesses.

How do I get a certificate of insurance for my business?

As a small business owner, you may need to get insurance quickly to sign a contract, a lease, or other business agreement. With Insureon, you can get same-day insurance quickly in three simple steps:

  1. Fill out an easy online application and get quotes from the nation's top insurance agencies.
  2. Pick a policy that matches your business and budget, and pay for it online.
  3. Download your certificate of insurance by logging into your account.

Insureon's agents are licensed in California and will help you get the coverage that works for your business needs. Most California businesses, from San Francisco to Los Angeles, receive their certificate of insurance and an active policy within just a few hours.

Can my business be held liable for a data security breach?

Yes, your business can be held responsible for a data breach in California. Unfortunately, small businesses are often the target of cyberattacks because they lack the expensive technological safeguards to prevent them.

Cyber insurance is important for protecting your small business in the event that your customer's information is leaked in a data breach.

Data breach laws in California require Sacramento businesses to notify residents in writing if their personal information has been compromised in a cyberattack. Depending on how many residents are impacted, the business may also need to alert the Attorney General.

Additionally, you may be responsible for providing at least twelve months of credit monitoring services to impacted residents.

A data leak may require you and your business to pay for an investigation, lawsuits, and other related expenses. Purchasing cyber insurance will help cover the costly expenses of managing compromised personal information.

Does my industry affect Sacramento insurance requirements?

Your industry can determine the type of insurance plan you may need to operate within Sacramento. Some businesses require additional coverage depending on the risks associated with their industry.

Examples of some professionals and industries that may require additional coverage in Sacramento include:

Many small businesses are not required to carry insurance in order to operate in Sacramento. However, each type of business has insurance solutions that would benefit them in the event of a lawsuit, accident, or other risks associated with their day-to-day operations.

How can I get help starting a small business in Sacramento?

If you'd like assistance starting or growing your Sacramento small business, consider the following resources for help with funding, business planning, mentorship, and more.

How can I save money on Sacramento business insurance?

Saving money on small business insurance is simple with Insureon's easy online application. We provide quotes from the nation's top insurance companies to help you compare coverage and pick the best policies for your small business insurance needs.

Some other ways to save on your insurance coverage options include:

  • Only purchase the coverage you need for your industry. You have some flexibility to pick and choose the best insurance products for your specific industry's risks and liabilities, which can save you money.
  • Focus on workplace safety, accessibility, and fair business practices. The fewer lawsuits, injuries, or accidents your company faces, the lower your premiums will be.
  • Bundle policies for a discount. Some types of insurance can be bundled to lower costs. A business owner's policy (BOP) is one of the most common bundles.

Speak with one of our licensed insurance brokers to discuss the best way to save money on your insurance, or read more about obtaining cheap business insurance.

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