California Insurance FAQ
Expert insights into the complex landscape of commercial and residential insurance in the Golden State.
What does General Liability (GL) insurance actually cover in California?
A GL policy typically covers bodily injury, property damage, and personal/advertising injury claims against your business. In CA, this is crucial as it also often covers the cost of your legal defense, which can be astronomical even for frivolous lawsuits.
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Is Commercial Auto insurance required if I use my personal car for business?
Yes, standard personal auto policies usually exclude coverage for business use. If you use your vehicle for deliveries, client visits, or transporting goods, you need a Commercial Auto policy to ensure you are covered in the event of an accident during work hours.
Who is required to carry Workers Compensation in California?
By California law, every employer—even those with only one employee—must carry Workers Compensation insurance. Failure to do so is a criminal offense and can result in massive fines and stop-work orders.
My business is small; do I really need Cyber Liability insurance?
Absolutely. Small businesses are often targets because they have fewer security resources. A single data breach can cost a business upwards of $200k in notification and legal fees alone, which often leads to bankruptcy without proper insurance.
What is the difference between General Liability and Professional Liability?
General Liability covers physical risks (trips, falls, property damage). Professional Liability (E&O) covers errors in the service or advice you provide. If you are an architect, accountant, or consultant, you likely need both.
How does a Home Warranty differ from Homeowners Insurance?
Homeowners insurance covers accidental damage from events like fire or theft. A Home Warranty covers the repair or replacement of major home systems (AC, plumbing, appliances) when they stop working due to normal wear and tear.
Is wildfire coverage included in California Homeowners policies?
Standard policies include fire coverage, but many carriers in high-risk CA zones have restricted new policies. At LineGuard, we specialize in finding carriers that still offer robust protection in these areas or helping you navigate the CA FAIR Plan if necessary.
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