Business Insurance Blog

Insights for California business owners

General Liability vs Workers’ Compensation Insurance in California: What Businesses Need to Know

If you own a business in California, you’ve probably heard the terms “general liability” and “workers’ compensation” used interchangeably. Here’s the thing: they’re not the same, and confusing the two can leave serious gaps in your coverage. — Whether you’re running a contracting company, managing…

Equipment Breakdown Insurance in California: Repair or Replace Your Business Equipment?

For many businesses in California and Arizona, equipment is the backbone of daily operations. Whether it’s a commercial oven in a restaurant kitchen, an HVAC system keeping your facility comfortable, delivery vehicles moving products to customers, or critical machinery on a jobsite, unexpected…

California Workers’ Comp Rates Are Rising in 2026 | 5 Ways to Control Costs

If you're a small business owner in California, you've probably already felt the pinch of rising operating costs. Now there’s another line item demanding your attention: workers’ compensation insurance. Effective January 1, 2026, California’s workers’ comp benefit rates increased, and many…

Hiring vs. Outsourcing: Business Risks, Costs, and Insurance Considerations

As businesses grow, operational demands often increase faster than internal capacity. From accounting and customer service to marketing and IT, many owners eventually face a critical decision: should the work be handled by full-time employees or outsourced to third-party professionals? — While cost…

What Seasonal Businesses Should Focus On During Busy and Slow Times

Many small to mid-size businesses experience some level of seasonality, whether it’s a dramatic surge in sales during the holidays, a slowdown in the summer, or predictable patterns tied to industry cycles. Even if you aren’t a textbook example of a seasonal operation, fluctuating demand can still…

The Business Benefits of Safety Training for Employees

Workplace safety is more than just checking boxes for compliance. It’s a smart investment that can positively impact your bottom line, employee morale, and long-term risk exposure. Whether you run a construction firm, a retail shop, or a professional office, providing regular safety training to…

Keeping Your Commercial Property Prepared for Severe Weather

Severe weather events like hurricanes, snowstorms, wildfires, hailstorms, or heavy rain can cause major damage to commercial properties and disrupt business operations. For property owners, facility managers, and tenants alike, being prepared ahead of time is key to minimizing risk and recovering…

Phishing Emails, Ransomware, and Liability: A Business Owner’s Cyber Checklist

Cyber threats have become an everyday risk for businesses of all sizes, not just large corporations. In fact, small and mid-sized businesses are increasingly targeted by cybercriminals because they often lack dedicated security infrastructure. Phishing emails, ransomware attacks, and data breaches…

How to Prepare Your Business for a Natural Disaster

Natural disasters can disrupt your operations, damage property, and cause long-term setbacks for your business. Whether you’re facing hurricanes, wildfires, floods, or severe winter storms, it’s essential to have a plan in place before an event occurs, not after. — While disasters can’t be avoided,…

Common Commercial Insurance Mistakes (and How to Avoid Them)

Running a business comes with plenty of challenges, and insurance is one area where mistakes can be costly. From underinsuring key assets to misunderstanding policy exclusions, commercial insurance missteps can leave your business exposed to financial loss. Whether you're a seasoned business owner…