Empowering California’s
Small Businesses with
Comprehensive Coverage

At HRI Agency, we understand the unique challenges small businesses in California face. That’s why we specialize in offering California small business insurance that meets legal requirements and provides the financial backbone small businesses need to grow and thrive. Our goal is to help you protect your investment, manage risks, and ensure your business’s longevity with tailored insurance solutions.

Small Business Insurance Options

We offer a range of insurance products designed to address the specific needs of small businesses across various industries. Our coverage options include:

Professional Liability Insurance (Errors and Omissions)

Ideal for businesses that provide services or advice, this insurance helps cover the costs associated with defending against negligence claims and damages awarded in such lawsuits.

Business Owners Policy (BOP)

Combines business property and business liability insurance into one convenient policy. BOPs are customized to your business, providing a wide range of property and liability protection.

General Liability Insurance

Essential for every small business, this coverage protects against claims of bodily injury, property damage, and more, that can occur during business operations.

Workers’ Compensation Insurance

Covers medical costs and a portion of lost wages for employees who become injured or ill on the job.

Frequently Asked Questions

Factors include your industry, location, number of employees, and the specific risks associated with your business operations.

We recommend reviewing your coverage annually or whenever there are significant changes to your business, such as expansion, hiring more employees, or offering new services.

Certain types of insurance, like workers’ compensation, are legally required for businesses with employees. Other coverages, while not mandated by law, are crucial for protecting your assets and viability.

Yes, bundling policies can often reduce premiums and simplify your insurance management. Talk to us about creating a custom insurance package that fits your needs.

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Ready to Secure Your Business’s Future?

Contact us today to discuss your insurance needs and discover how we can help you keep your business safe and sound.