Business Insurance in San Jose, CA
Unforeseen risks can financially burden your business. At Valley Multi-Services, LLC, we’re here to help business owners find insurance policies that match their coverage needs.
What Policies Should I Purchase for My Business? 
In California, most businesses are required to carry workers’ compensation insurance to cover employees’ medical expenses, funeral costs and lost wages if they get sick, injured or pass away due to an at-work incident. Employers liability coverage within a policy can also cover your business’s legal expenses if an employee sues you for workplace injuries.
Aside from that, your broker may recommend that you purchase the following policies:
- Business interruption insurance can cover lost income if a covered risk forces you to close your business temporarily.
- General liability insurance can be beneficial if a client files a claim of advertising injury, bodily injury or property damage against your business. Commercial leases may also require it.
- Commercial property insurance can cover company-owned or leased properties such as commercial space, furniture, inventory and equipment.
- Commercial auto insurance can cover business vehicles’ repair costs after an accident, fire, theft, vandalism or certain weather events. It is legally required for company vehicles.
- Errors & omissions insurance can cover your legal expenses if a customer sues you for negligence, missed deadlines or mistakes in output.
How Much Do These Policies Cost?
Various factors can determine the cost of business insurance policies, including the following:
- Industry
- Location
- Number of employees
- Business properties (e.g., real estate, vehicles, equipment, etc.)
- Employee driving records
- Claims history
- Deductibles
- Coverage limits and selections
Get Covered Today
Contact Valley Multi-Services, LLC to explore your business insurance options or request personalized quotes.