Real-world risk management solutions that protect your interests.
If you or your employees are involved in an accident, Commercial Auto insurance will protect your business from unexpected expenses, no matter whether you’re driving a single work truck or a small fleet of delivery vehicles.
How would you keep your business afloat if you were forced to temporarily close? Business income (interruption) coverage can help replace income during the period of restoration.
Importing or exporting goods within the United States or anywhere in the world? You likely have vessel, air cargo or transit exposure. If your goods are high in value, the risk of loss probably justifies the cost of Import Export Insurance.
Whether you own your free standing building, lease an office or work at home, Commercial Property insurance protects your business' physical assets such as the building, its contents and any outdoor fixtures.
Large or small, every business runs on technology, which means you face cyber risks. Cyber Liability insurance provides your business with coverages to help protect you from data breaches and other cyber security issues.
Directors and Officers (D&O) liability insurance is insurance coverage intended to protect individuals from personal losses if they are sued as a result of serving as a director or an officer of a business or organization.
EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated. These claims impact all sizes of organizations and your company is not immune to such lawsuits.
Errors and Omissions insurance (E&O) is a type of professional liability insurance that protects companies, their workers, and other professionals against claims of inadequate work or negligent actions.
Fiduciary liability insurance protects your company against fiduciary mismanagement. Essentially, the policy protects parties against liability for managing or administering employee benefits plans.
No matter your industry, if you want to cover risks which affect almost any business, you need General Liability insurance. It’s the most common insurance for small businesses and self-employed professionals.
Marine Cargo insurance should form an integral part of your business strategy, if you are importing or exporting products, if you source raw materials or distribute or sell manufactured goods overseas.
Professional Liability insurance (E&O) provides protection from unexpected expenses if you’re accused of a professional mistake. It also protects your business against civil lawsuits and negligence claims.
Surety Bonds are designed to guarantee performance in the face of a set of particular risks. Surety Bonds help small businesses win contracts by providing the customer with a guarantee that the work will be completed.
A Commercial Umbrella policy adds an additional layer of protection to help safeguard your assets in the event you’re faced with the catastrophic impact of a large claim or lawsuit.
Most states require you to purchase Workers’ Comp coverage in the event you or a worker experiences a workplace injury. It can help cover expenses for medical treatment, lost wages, and other costs.
Why California Businesses Choose Post Insurance for Commercial Coverage
Running a business in California means navigating one of the most complex regulatory environments in the country. From workers’ compensation requirements to commercial auto mandates, the insurance obligations facing California business owners demand more than a generic, one-size-fits-all policy. That is exactly why thousands of businesses across the state have relied on Post Insurance since 1954 to build coverage programs that genuinely protect their operations, their employees, and their bottom line.
As an independent insurance broker with access to more than 50 top-rated carriers, Post Insurance shops the market on your behalf to find the right combination of coverage, pricing, and service for your specific industry and risk profile. Unlike captive agents who represent a single insurer, our team compares options across dozens of carriers so you never have to wonder whether a better deal exists somewhere else.
Comprehensive Commercial Insurance Solutions
Every California business faces a unique set of risks. A tech startup in Los Angeles has different exposures than a manufacturing facility in the Central Valley or a retail shop in San Francisco. Post Insurance takes the time to understand your operations, revenue, workforce, and growth plans before recommending coverage. Our commercial insurance portfolio includes general liability, commercial property, business auto, workers’ compensation, professional liability, cyber liability, employment practices liability, inland marine, umbrella and excess liability, and business owners’ policies.
General liability insurance is often the foundation of a commercial insurance program. It protects your business against third-party claims for bodily injury, property damage, and personal or advertising injury. In California, many landlords, clients, and government contracts require proof of general liability coverage before you can sign a lease, submit a bid, or begin work. Post Insurance helps you secure the right limits and endorsements to meet contractual requirements while keeping premiums competitive.
Commercial Property and Business Interruption
California businesses face property risks that range from fire and theft to earthquake and flood. Commercial property insurance covers your building, equipment, inventory, furniture, and other business assets against covered perils. Because standard commercial property policies typically exclude earthquake damage, Post Insurance also helps California business owners evaluate standalone earthquake coverage and difference-in-conditions policies that fill critical gaps. Business interruption coverage, often included as part of a commercial property policy, replaces lost income and covers continuing expenses if a covered event forces your business to temporarily shut down.
Workers’ Compensation Insurance in California
California law requires nearly every employer to carry workers’ compensation insurance, regardless of the number of employees. Failing to comply can result in fines of up to one hundred thousand dollars, criminal penalties, and personal liability for the business owner. Post Insurance works with specialized workers’ compensation carriers to find coverage that reflects your actual payroll classifications, experience modification factor, and loss history. We also help you implement return-to-work programs, safety training, and claims management strategies that can reduce your long-term workers’ compensation costs.
Professional Liability and Cyber Coverage
If your business provides professional services, advice, or consulting, professional liability insurance, also known as errors and omissions coverage, protects you against claims alleging negligence, mistakes, or failure to deliver promised results. In an increasingly digital economy, cyber liability insurance has become equally essential. A single data breach can expose your business to regulatory fines, notification costs, credit monitoring obligations, and lawsuits from affected customers. Post Insurance helps California businesses assess their cyber risk and secure policies that cover both first-party losses and third-party liability.
Tailored Programs for Every Industry
Over seven decades of serving California businesses, Post Insurance has developed deep expertise across a wide range of industries. Whether you operate in construction, manufacturing, healthcare, technology, real estate, hospitality, transportation, or professional services, our team understands the specific coverage requirements, carrier appetites, and pricing benchmarks that apply to your sector. We leverage this knowledge to negotiate broader coverage terms and more competitive premiums than you would likely find on your own.
The Post Insurance Difference
Choosing the right commercial insurance broker is one of the most important business decisions you can make. With Post Insurance, you get a partner that has been protecting California businesses for more than seventy years, a team with access to over fifty carriers, and a commitment to responsive service that treats your business like our own. We handle your certificates of insurance, policy renewals, mid-term changes, and claims advocacy so you can focus on what you do best: growing your business. Contact Post Insurance today for a free commercial insurance review and discover how the right coverage can give you confidence to take on whatever comes next.
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Frequently Asked Questions
What types of commercial insurance does Post Insurance offer in California?
Post Insurance provides comprehensive commercial coverage including general liability, commercial property, business auto, workers compensation, professional liability, and umbrella policies. We work with over 50 carriers to find the best rates for California businesses of all sizes.
How much does commercial insurance cost in California?
Commercial insurance costs vary based on your industry, business size, location, and coverage needs. A small business may pay as little as $500 per year for basic liability, while larger operations may require more comprehensive packages. Post Insurance compares quotes from 50+ carriers to find you the most competitive rate.
Is workers compensation insurance required in California?
Yes. California law requires all employers, even those with just one employee, to carry workers compensation insurance. Post Insurance helps California businesses find affordable workers comp coverage that meets state requirements and protects both employers and employees.
What is the difference between general liability and professional liability insurance?
General liability covers third-party bodily injury and property damage claims, while professional liability (also called errors and omissions) covers claims related to professional mistakes, negligence, or failure to deliver services. Many California businesses need both types of coverage.
Why should I choose Post Insurance for my business insurance?
Post Insurance has served California businesses since 1954 with access to over 50 top-rated carriers. As an independent agency, we compare multiple quotes to find the best coverage at the most competitive price. Our experienced team provides personalized service and ongoing support.