Worker's Comp Insures against losses from liability imposed upon employers to compensate employees and their dependents for injuries sustained by employees out of and in the course of their employment. It is predicated on the fact of employment. Negligence and/or fault are immaterial factors. Worker's Comp coverage is REQUIRED by California State Law.

Business owner policy is an insurance policy that offers multiple lines of coverages:

* General Liability
* Business Personal Property / Contents
* Loss of Business Income

Commercial package is an insurance policy that includes two or more lines or types of coverage’s in the same contract.
Normally, this packages will be less expensive if purchase as a package because of discounts.

Most companies obtain basic liability coverage through a Commercial General Liability (CGL) form.
The typical modern General Liability coverage form contains the following component coverage’s:
Premises And Operations - Protects against covered lawsuits alleging bodily injury or property damage caused by an occurrence arising from the premises or operations of the insured.
Products And Completed Operations - Protects against covered lawsuits alleging bodily injury or property damage caused by an occurrence arising out of the sale of a defective product (products liability) or out of a completed operation (ex: construction of a building). Products And Completed Operations Coverage can only be triggered after the final sale of a product or construction job.
Personal / Advertising Injury - Protects against certain lawsuits arising from personal injury (ex: slander, libel, false imprisonment) or advertising injury (ex: disparagement of a competitor’s product or service).
Damage To Premises Of Others - Protects against certain covered lawsuits when the insured damages the premises of a landlord.
Medical Expense Payments - Protects against certain covered lawsuits arising from guest injuries (ex: slip and fall) while on your premises.

Commercial Auto Coverage is the limit of liability you must have to satisfy State law and is sometimes regulated by vehicle weight. If the gross weight exceeds 10,000 lbs then you must carry at least $750,000 of coverage per occurrence in California.

An Umbrella Insurance policy is a liability policy designed to provide liability protection above and beyond that is provided by standard liability contracts.
It is highly recommended that you carry commercial (rather than personal) insurance coverage on all vehicles that are used for business purposes.

Commercial Property coverage is designed to insure most types of commercial properties:
* Buildings
* Business Personal Property / Contents - furniture and equipment on the premise

Property insurance provides protection against most risks to property, such as fire, theft and some weather damage, depending on the form of coverage purchased.

There are three main levels of coverage:
* Basic Form
* Broad Form
* Special Form (otherwise known as All Risk)