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San Francisco California Small Business Insurance Policy Information

San Francisco CA Small Business Insurance

San Francisco California Small Business Insurance. In general, San Francisco California small business insurance helps protect a CA business' property, assets and income from the risks it faces everyday.

But buying commercial insurance can often be confusing for small business owners in San Francisco...

Some of the most frequently asked questions are; What insurance should my business have? How much insurance is required? How much does it cost? How much insurance do I need?

San Francisco, CA, has a GDP in excess of $500 billion. The metropolitan area has the sixth-largest economy in the United States because it is an influential hub for what has now become a global economy.

The median household income is also higher than the rest of the United States, with most people raking in an average of $96k a year. Furthermore, unemployment is also slightly lower than the rest of the country, yet hourly wages are over $10 more than most other parts of the United States.

That's why over the years, the city has become one of the most attractive places for small businesses and especially startups.

The state of California, also referred to as the Golden State, does not require that businesses have commercial liability insurance. Though the state does not have a cap on rewards for liability lawsuits, it is wise to have insurance coverage as a business owner.

However, the amount of coverage recommended will vary depending on your business's size and type and industry.

Get the best San Francisco California small business insurance quotes for general liability, CA workers compensation, commercial auto, errors and omissions and more. Get your certificate of insurance today.

San Francisco Business Insurance

San Francisco CA

If you own a San Francisco small business, this article will help you understand some the of most common policies available. Commercial insurance helps protect your business and potentially your personal assets from lawsuits and settlements that can reach into the millions.

Having high enough limits in your commercial liability coverage should be a cornerstone of any business plan in San Francisco California.

Carrying adequate CA small business insurance to protect your San Francisco business shouldn't be a question - it's a must if you want to make sure that you don't get put in a position where you have to lose your business or pay money out of pocket to cover expenses associated with a loss.

Many of San Francisco's neighborhoods are packed with small businesses that all need CA commercial insurance.

Whether you live in; Alamo Square, Anza Vista, Ashbury Heights, Balboa Terrace, Bayview, Bayview Heights, Bernal Heights, Buena Vista Park, Central, Central, Clarendon Heights, Cole Valley, Corona Heights, Cow Hollow, Crocker Amazon, Diamond Heights, Dogpatch, Downtown, Duboce Triangle, Eureka Valley/Dolores Heights (Castro, Excelsior, Financial District, Forest Hill, Forest Knolls, Glen Park, Golden Gate Heights, Haight Ashbury, Hayes Valley, Ingleside, Ingleside Heights, Ingleside Terrace, Inner Mission, Jordan Park/Laurel Heights, Lake Shore, Lake Street, Lakeside, Liberty Hill), Lone Mountain, Lower Pacific Heights, Marina, Merced Heights, Merced Manor, Midtown Terrace, Miraloma Park, Mission Bay, Mission Dolores, Mission Terrace, Monterey Heights, Mt. Davidson Manor, Nob Hill, Noe Valley, North Beach, North Waterfront, North of Panhandle (NOPA), Oceanview, Outer Mission, Outer), Outer), Pacific Heights, Parnassus Heights, Portola, Potrero Hill, Presidio Heights, Richmond (Inner, Russian Hill, Sea Cliff, Sherwood Forest, Silver Terrace, SoMa, South Beach, St. Francis Wood, Sunnyside, Sunset & Parkside (Inner, Telegraph Hill, Tenderloin, Twin Peaks, Van Ness/ Civic Center, Visitacion Valley, West Portal, Western Addition, Westwood Highlands, Yerba Buena or another neighborhood - here you can find more information about San Francisco California small business insurance to understand the types commercial insurance policies you may need.

San Francisco Demographics San Francisco Details
StateSan Francisco is in the state of: California.
CountySan Francisco is in: San Francisco County, CA.
PopulationSan Francisco has an estimated population of: 3,592,294 people.
Population DensitySan Francisco has an estimated population density of: 7256 per square mile.
AgeSan Francisco has a median age of: 38.2.
Household IncomeSan Francisco has an estimated median household income of: $112,449.
Home ValueSan Francisco has an estimated median home value of: $1,098,788.
RentSan Francisco has an estimated median rent cost of: $1,895.
Unemployment RateSan Francisco has an estimated unemployment rate of: 4.2.
Female / MaleSan Francisco is an estimated: 49% Female and 51% Male.
RaceSan Francisco is an estimated: 46.4% White, 5.2% Black, 34.4% Asian, 15.2% Hispanic, 5.6% Multi-race, 0.4% Native American, 0.4% Pacific Islander and 7.7% Other.
Latitude37.7562.
Longitude-122.443.
Time ZoneAmerica/Los_Angeles.
Zip Code(s)94130, 94131, 94132, 94133, 94134, 94109, 94108, 94103, 94102, 94105, 94104, 94158, 94127, 94124, 94123, 94122, 94121, 94129, 94118, 94110, 94112, 94116, 94117, 94114, 94115, 94111, 94107, 94119, 94120, 94125, 94126, 94137, 94139, 94140, 94141, 94142, 94143, 94144, 94145, 94146, 94147, 94151, 94159, 94160, 94161, 94163, 94164, 94172, 94177, 94188.


If you want more information on business for San Francisco - you can reference: San Francisco business information.

You can skip to the following types of San Francisco California small business commercial insurance using these links:


San Francisco California Small Business Insurance General Information:


Is Business Insurance Required In San Francisco California?

Made In California

California only requires two types of commercial insurance policies - and only under specific circumstances:

  • Workers Compensation: California Labor Code Section 3700 mandates all employers provide workman's comp insurance through one of three methods: purchasing it from a licensed commercial insurance broker, purchasing it from the State Compensation Insurance fund, or self-insuring. Often, you can get better prices from the private insurance market - than you'd receive from the State Compensation Insurance fund - even though the fund exists in part to keep workman's comp insurance affordable for California businesses.
  • Business Auto: If your San Francisco CA small business uses vehicles for commercial purposes, you are also required to purchase business auto insurance.


Any other policies and coverages are optional for the business to purchase. There is not one small business insurance policy that covers every risk. There are different commercial insurance policies that cover various accidents, damages and lawsuits that could financially devastate a San Francisco area small business without the right protection. Some of the most common risks businesses face are covered in these policies.

How Much Does Small Business Insurance Cost In San Francisco?

Following is a list of the main factors that determine the costs of small business insurance in CA:

  • Claims History - Similar to auto insurance, more claims can mean higher costs. If you have claims on your policy, your premium will typically increase.
  • Deductibles - Like medical insurance, lower deductibles for California small business insurance mean higher premiums. If you raise your deductibles (out-of-pocket costs), your premium will usually decrease.
  • Employees - The more people working for your company typically translates into higher insurance costs.
  • Experience - A business with more experience can often get lower premiums that newer businesses with less experience.
  • Gross Sales - The more revenue you have, the higher your premium can be. So if your small business earns less than $30,000 annually, your premiums may be lower than a larger corporation that earns more than $2,000,000.
  • Industry - If you own a white collar business like an accountant, your premiums can be lower than a roofing company, where the potential risks for bodily injury and property damage are higher.
  • Location - Your San Francisco zip code can have a significant impact on your premium.
  • Policy Limits - When you buy a policy, you can decide how much coverage you want, and you typically will pay more for higher limits. For example, a general liability policy with a $1,000,000 limit per claim will cost more than one with a $300,000 limit.


What Types Of Commercial Insurance Do I Need In San Francisco?

San Francisco California Map
San Francisco CA map © OpenStreetMap contributors

Every small business in San Francisco, CA has different needs and costs and coverages are different for each industry and CA region. Here is an easy risk assessment you can use to determine what kinds of insurance you may require.

While not an exhaustive list, to properly protect your San Francisco business against lawsuits - consider these additional policies that fall under commercial property and/or casualty insurance:

If you have a brick-and-mortar location in San Francisco

Then you need several kinds of basic commercial insurance policies at the minimum:

General Liability
San Francisco California Small Business Commercial General Liability Insurance

This protects you if someone gets hurt on your property. For example, if someone slips and falls because you didn't fix a stair railing fast enough then this policy will pay up to policy limits. It will also protect you if a criminal attacks someone on your property, since property owners can be sued for failing to provide adequate security.

While you will also want to keep your property in good repair while providing good security, the truth is anyone can be sued regardless of whether or not they do a good job of keeping their property in good condition.

You don't have any control over the ultimate cost of injuries to a person injured because of your operations, products, or services. The person injured may be a toddler, a contractor, an accountant, or a homemaker.

The cost of the injuries may be comparatively minor or run into the millions of dollars, depending on the person and the extent of his or her injuries. This is why you need the right amount of San Francisco California small business insurance.

Commercial general liability insures the bodily injury liability, property damage, and personal and advertising injury liability exposures of a variety of San Francisco commercial businesses, enterprises, and ventures.

What Is Covered - California general liability insurance protects your assets in several ways:

  • Liability coverage for bodily injury and property damage insures your legal obligations that arise from an accident. It also includes the costs related to lawsuits and other legal proceedings. The limits of insurance should be sufficient to handle serious injuries and the injured person's loss of earnings.
  • Liability coverage for damages due to personal and advertising injury insures your legal obligations that arise from an offense. It also includes the costs related to lawsuits and other legal proceedings. The limits of insurance should be sufficient to handle serious injuries and the injured person's loss of earnings.
  • Medical Payments coverage pays the cost of medical care to persons injured on your premises or due to your operations, regardless of fault.

Each of these California small business insurance coverages is subject to certain policy exclusions, conditions, and definitions. Following a few examples of how a CGL policy can cover third-party bodily injuries, third-party property damage, and advertising injuries;

  • A visitor slips and falls on a wet floor in your San Francisco restaurant.
  • A tree trimmer accidentally drops a tree on a customers home.
  • A competitor sues your business over an ad that was published that disparages them, damaging its reputation.

In San Francisco, many small businesses may find that CGL isn't enough. Many CGL policies will not cover certain types of lawsuits like those relating to professional errors, negligence and employee disputes.

That's why you'll need another additional piece of insurance that protects the other half of your business. An independent insurance agent is the best person to help you determine what type of liability coverage is needed.

Commercial Property
San Francisco California Small Business Commercial Property Insurance

This helps you repair your property after fire, vandalism, storm damage, or other calamities. You'll also want business property insurance. This is the policy that protects all of your furniture, fixtures, equipment, and inventory. It can be difficult to do business without these items, so make sure they're covered!

The primary goal of any small business insurance program is to protect the insured's real and business personal property. Tangible property usually represents a significant portion of its total assets, regardless of the size of the business.

Protecting your real and personal property is an important element of your insurance program. No matter the size of your business, a large percentage of your assets and resources are tied directly to your property. A commercial property program can provide the coverage you need if a loss should occur.

Covered Building

When there is a limit of insurance for building on the declarations, the building or structure in San Francisco listed and described is covered property. The following is also considered covered building property:

  • Additions under construction, alterations, and repairs that other insurance does not cover. The materials, equipment, supplies, and temporary structures that are on or within 100 feet of the premises and used to make the additions, alterations, or repairs are also building.
  • Completed additions
  • Fixtures. This includes outdoor fixtures.
  • Permanently installed machinery and equipment
  • Personal property the insured owns and uses to service or maintain the building or premises

Covered Personal Property

When there is a limit of insurance for personal property on the declarations, coverage applies to the following property if it is inside the building or structure at the designated premises. It is also covered if it is outside the building or structure but within 100 feet of the building or premises. Such personal property outside can be either in the open or in or on a vehicle.

  • All other personal property the insured owns and uses for business
  • Furniture and fixtures
  • Labor, materials, or services the insured furnishes or arranges on personal property of others
  • Leased personal property the insured has a contractual responsibility to insure
  • Machinery and equipment
  • Stock
  • The insured's interest in any improvements and betterments it made or acquired if the insured is a tenant

Covered Personal Property Of Others

Personal property of others is covered when there is a limit of insurance on the declarations but only when:

  • It is in the insured's care, custody, or control.
  • It is either inside the building or structure at the listed and described premises or outside within100 feet of the building or premises in either the open or in or on a vehicle.
  • The insurance company pays for loss or damage to personal property of others for only the account of that property's owner.

Business Owner's Policy

The BOP or Business Owner's Policy mainly combines business property and liability insurance into a single policy (similar to a homeowners policy but for businesses). The BOP is meant to help protect a business from various types of harm like burglary, fire and disasters.

Usually, businesses in San Francisco that have a physical location should consider this type of insurance if they qualify. Often Business Owner's Policies are cost effective because of the bundling of polices.

If anything, you can get sued by clients or customers if they get hurt in your place of business, which is why this policy is so important.

If you have employees in San Francisco CA
San Francisco California Small Business Workers Compensation Insurance

You will need workers compensation insurance in California. It's the law, and it prevents you having to engage in costlier personal injury suits later.

You required to get CA workers comp have more than three employees. But there are exceptions to this. That's why it is always a good idea to speak to a local insurance agent.

The Workers Compensation and Employers Liability Insurance Policy covers your statutory liability as an employer under CA workers compensation laws. It pays for medical treatment because of injuries and indemnity payments for employees disabled by work-related accidents.

It also provides tort liability coverage for legal actions brought against you for bodily injuries to your employees that fall outside state workers compensation laws.

Workers' Compensation is insurance coverage purchased by the employer/business that provides benefits for job-related employee injuries. Under a workers' compensation policy, employees are compensated for occupationally incurred injuries, regardless of fault. This coverage makes employers immune from some injury lawsuits by employees.

There are times when the employed worker's injury is not compensable under workers compensation or occupational disease laws. In those cases, Employers Liability coverage responds to the injured worker's allegations of negligence on the employer's part, subject to its terms, conditions, limitations, and exclusions.

The coverage the basic policy provides may be broadened, restricted, clarified, or made to comply with specific CA regulatory requirements by using a variety of available endorsements.

You will also want to look at Employment Practices Liability Insurance, or EPLI. This type of insurance will pay your claim if an employee successfully launches a wrongful termination, discrimination, workplace harassment, or retaliation claim.

You will also want liability that covers your directors, officers, and managers in the event that they engage in some form of wrongdoing. Each of these people can be personally sued, and they can take actions which trigger company lawsuits, too. This can include sexual misconduct liability insurance: the sad, yet true, reality is that this kind of abuse can and does continue to take place in the workplace.

If your business uses vehicles in San Francisco California
San Francisco California Small Business Auto Insurance

You'll need CA commercial auto insurance. Traditional passenger vehicle insurance doesn't pay for accidents when a vehicle is being used for business purposes.

In addition, business auto insurance policies can have much higher policy limits. This can make a big difference in a personal injury case. Lawyers tend to sense deep pockets when the vehicle in question was a commercial vehicle, and juries tend to be less sympathetic of corporate drivers. Thus, personal injury award amounts can be higher, and you might well need those limits.

Keep in mind you don't need to maintain a whole fleet of vehicles to need this insurance. You may well need it even if you are only using your personal vehicle for business purposes.

The person injured in a San Francisco auto accident may be a young child, a wage earner, a surgeon, or a homeless person. The costs of the accident may be relatively small or run into the millions of dollars, depending on the victim and his or her injuries. California commercial auto insurance helps protect your business if you hurt a person or damage their property.

What Is Covered - California business auto insurance protects your assets in several ways:

  • Covered auto liability coverage insures your legal obligations that arise from an accident, including lawsuits and their associated costs. The limits you purchase should be high enough to handle the potentially serious injuries and loss of earnings a victim may sustain.
  • Uninsured and underinsured motorists coverages protect you when you are involved in an accident caused by a driver who has no insurance or insurance with relatively low limits. The limits you select for this coverage should be the same as your liability limits.
  • Physical damage coverage on vehicles directly protects your assets. Comprehensive, Specific Causes of Loss and Collision are the coverage options available. Deductibles should be as high as you can comfortably absorb to maximize the protection provided relative to the premium cost.
  • Medical payments coverage and towing expense costs for private passenger vehicles are other optional coverages to consider

If you provide any kind of advice
San Francisco California Small Business Professional Liability Insurance

Then consider Errors and Omissions insurance coverage alos known as Professional Liability. Doctors, lawyers, accountants, insurance agents, and even event planners can all benefit from having this type of insurance.

Anyone can make a mistake, but in some industries bad advice leads to disastrous financial consequences. If you are sued and the plaintiff wins, the E&O policy will pay your settlement up to policy limits.

Errors and omissions (E&O), is a type of professional liability coverage that protects your company against claims that a professional service you provided caused your client to suffer financial harm due to mistakes you made (errors) or because you didn't perform some service (omissions).

Professional liability can cover the legal costs of defending your company in a civil lawsuit and some damages if awarded, even if you haven't made a mistake. E&O coverage is not included in a general liability insurance policy.

If your business:

  • Provides a professional service
  • Gives advice to clients
  • Is contractually required to carry

You should probably purchase an errors and omissions policy. Common claims that E&O covers are negligence, misrepresentation, violation of good faith and inaccurate advice.

In the medical and legal professions, professional liability is called malpractice insurance.

If you spend time interacting with client computer systems, or take personal data from your customers

Consider cyber liability insurance. Cyber liability helps with two problems. First, it will take care of any financial losses you suffer as a direct result of the cyber attack. The second will help you if you get sued for the hacker's actions.

We can't all be cybersecurity professionals, and most of us are as respectful with customer data as possible. Yet hackers are always coming up with new ways to cause problems for honest businesses.

Cyber liability insurance helps your San Francisco business deal with the costs of data breach and recovery by helping to pay for:

  1. Security Breach Expense - Loss that is the direct result of a security breach.
  2. Extortion Threats - Loss that is the direct result of an extortion threat.
  3. Replacement or Restoration of Electronic Data - Loss to stored computer programs or electronic data within a computer system.
  4. Business Income and Extra Expense - Loss that is the result of an interruption is covered when it is a direct result of a cyber incident or extortion threat.
  5. Public Relations Expense - Loss that is the result of negative publicity is covered when it is a direct result of a cyber incident or security breach.
  6. Security Breach Liability - Loss that is the result of a claim which is discovered during the policy period is covered if the insured is legally obligated to pay it and was due to a wrongful act that takes places before the end of the policy period.

Other San Francisco Business Insurance Considerations

The industry you are in can make a huge difference here. For example if you are a contractor in San Francisco you might want special contractor's insurance. If you run a daycare you might want childcare insurance.

The best way to make sure you get the right mix of coverages is to form a relationship with a licensed california insurance broker who you trust. That way you get insight into problems other SMBs like you have faced in the past, and can select the right policies to address these risks.

In addition, a CA broker can help you shop around and take advantage of discounts, lowering your overhead and ensuring insurance never takes too big of a bite out of your budget.


How Do I Contact The California Insurance Commissioner?

You can visit http://www.insurance.ca.gov, or write to the California Department of Insurance at:

California Department of Insurance
300 South Spring St., South Tower
San Francisco, CA 90013

You can also call (800) 927-4357. A TTY line is also available at (800) 482-4833.


CA Small Business Insurance By Industry And/Or Type

Select the California general industry or small business insurance type link below to find more detailed information on coverage, costs, exclusions and more:


Advertising, Marketing and Media

Learn about California media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.


Agribusiness

Learn about CA agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.


Arts and Recreation

Read up on California arts and recreation commercial insurance.


Auto Sales, Service and Repair

Read about California auto sales, service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.


Aviation

Learn about CA aircraft and aviation liability insurance - a specialized form insurance that provides coverage for hull losses as well as liability for passenger injuries, environmental damage and third-party damage caused by aircraft accidents.


Bonds

Learn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions.


Children and Pets

Discover what California commercial insurance policies cover for children and pet related businesses.


Commercial Property

Read up on California commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.


Construction Contractors

Learn about California construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your CA construction business from lawsuits.


Contractors and Home Improvement

Learn about California contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your CA business from lawsuits.


Education, Colleges, Universities & Schools

Learn about California commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.


Financial Institutions

Discover the types of commercial insurance that banks, finance companies and other California financial institutions need to protect their asset management, deposit, lending, investment and other operations.


Food and Drink

Learn about California restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.


Health and Beauty

Learn about California health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.


Information Technology and Internet

Learn about California IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.


Lodging Places

Find out what types of business insurance that California hotels, motels and other lodging places should have to protect their varied operations.

Local, State And Federal Government

Discover what types of commercial insurance government entities in California need.

Manufacturing

Learn all about California manufacturing insurance. Manufacturers face many unique risks such as product liability and/or product recall exposures due to the nature of their business operations.


Marine, Boat And Watercraft

Discover what types of commercial insurance government entities in California need.

Medical and Dental

Discover California business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.


Miscellaneous

Find informative articles on miscellaneous CA businesses including the types of commercial insurance they need, costs and other considerations.


Non-Profit

Find useful articles on business insurance for California non-profit 501(c)(3) organizations, charities and associations.


Professional Services

Get informed about California professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.


Real Estate

Learn about California real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.


Retail

Read valuable California retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.


Small Business Commercial Auto

Learn about California commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.


Small Business

Protect your company and employees with CA commercial insurance. Read informative articles on California small business insurance coverages - and how they can help shield your company from legal liabilities.


Sports and Fitness

Learn about California sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.


Warehouse and Storage

Learn about California warehouse and storage insurance - which protects storage and warehouse facilities and protects their inventory from property damage from fire and weather, vandalism and theft and liability coverage as well.


Wholesale and Distribution

Read informative articles on California wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.


California Specific Commercial Insurance Articles

Read informative articles on CA commercial insurance including costs and coverages.




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Also find California insurance agents & brokers and learn about California small business insurance requirements for general liability, business property, commercial auto & workers compensation including CA business insurance costs. Call us (323) 484-2100.

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