4.1M businesses in California

Business Insurance in California

Join 4.1M businesses in California using AI to optimize insurance costs. Our analysis covers 5 major industries and saves an average of $$64,000/year.

4.1M
Active Businesses
$89.3B
Market Size
$$64,000
Average Savings
5
Major Industries

Average Insurance Costs in California

See how your premiums compare to market averages

General Liability

$1,400/year

Market average for California businesses

Professional Liability

$3,200/year

Market average for California businesses

Cyber Liability

$1,800/year

Market average for California businesses

Workers Comp

$3.20 per $100 payroll

Market average for California businesses

Commercial Property

$1.12 per $100 value

Market average for California businesses

Major Industries in California

Specialized insurance solutions for California's key business sectors

Technology
Entertainment
Agriculture
Manufacturing
Tourism

California Insurance Requirements

Mandatory and recommended coverage for businesses in California

Workers' Compensation (mandatory)
State Disability Insurance (SDI)
Employment Practices Liability (recommended)
Earthquake coverage (highly recommended)

Key Risk Factors

Common risks facing businesses in California

Earthquake risk
Wildfire exposure
High litigation costs
Privacy regulations (CCPA)

Top Insurance Providers in California

Leading insurers serving businesses in California

State Compensation Insurance Fund

15%
Market Share
Specialties:
Workers Comp

Travelers

11%
Market Share
Specialties:
Tech E&OGeneral Liability

Zurich

9%
Market Share
Specialties:
CyberDirectors & Officers

Economic Impact on Insurance

Complex regulatory environment. High litigation risk. Natural disaster exposure (earthquakes, wildfires). Tech sector drives cyber insurance demand.

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Business Insurance in California | Coverage Manager AI