Coverage Built Around California Surety Bonds Risks Surety Bonds for California Businesses helps address the risks faced by contractors and businesses that must guarantee an obligation. A surety bond is a three-party agreement among the principal, the obligee, and the surety. It is not the same as traditional insurance: the principal is generally responsible for…

Insurance Built for California Cyber Liability Risks California Cyber Liability Insurance helps address the risks faced by organizations that depend on computers, vendors, payment systems, or sensitive information. Cyber risk affects businesses of every size. A phishing email, ransomware event, payment diversion, lost device, or vendor outage can create response costs, operational disruption, and liability.…

Protection Built Around California Workers’ Compensation Risks California Workers’ Compensation Insurance helps address the risks faced by employers with people performing work for the organization. Workers’ compensation helps provide medical, wage-replacement, rehabilitation, and other statutory benefits for covered work-related injuries or illnesses. California generally requires employers to carry workers’ compensation coverage even when they have…

Protection Built Around California Professional Liability Risks California Professional Liability Insurance helps address the risks faced by businesses that provide advice, design, expertise, or professional services. Professional liability insurance—often called errors and omissions or E&O—may respond when a client alleges that an error, omission, negligent act, or failure to perform caused financial harm. Sacco &…

Protection Built Around California General Liability Risks California General Liability Insurance helps address the risks faced by businesses that interact with customers, vendors, property owners, or the public. Commercial general liability insurance may cover specified third-party bodily injury, property damage, and personal or advertising injury claims. It is foundational protection, but it does not replace…

Protection Built Around California Employment Practices Liability Risks California Employment Practices Liability Insurance (EPLI) helps address the risks faced by employers managing hiring, supervision, discipline, compensation, and termination. Employment practices liability insurance may address covered claims alleging discrimination, harassment, retaliation, wrongful termination, and certain other employment-related violations. Sacco & Sacco Insurance Brokers helps California businesses…

Protection Built Around California Directors & Officers Liability Risks California Directors & Officers Liability Insurance helps address the risks faced by private companies, nonprofits, and organizations governed by directors or executive leaders. Directors and officers liability insurance may protect an organization and qualifying leaders against certain claims alleging wrongful acts in management, governance, or fiduciary…

Protection Built Around California Commercial Umbrella Risks California Commercial Umbrella Insurance helps address the risks faced by businesses seeking higher limits above designated liability policies. Commercial umbrella or excess liability insurance can provide additional protection after the limits of specified underlying policies are exhausted by a covered claim. It is designed for severe losses, but…

Protection Built Around California Commercial Auto Risks California Commercial Auto Insurance helps address the risks faced by businesses that own, lease, hire, or use vehicles in their operations. Commercial auto insurance can address covered liability and physical damage involving business vehicles. The program should match vehicle types, drivers, ownership, garaging, travel radius, and how each…

Protection Built Around California Commercial Property Risks California Commercial Property Insurance helps address the risks faced by businesses that own or lease buildings, equipment, inventory, or other physical assets. Commercial property insurance can protect insured buildings and business personal property against covered causes of loss. Limits and valuations should reflect the cost and time required…

Protection Built Around California Business Interruption Risks California Business Interruption Insurance helps address the risks faced by businesses that could lose revenue when covered property damage disrupts operations. Business interruption—often called business income—coverage may help replace lost income and pay qualifying continuing expenses while an organization recovers from a covered property loss. Sacco & Sacco…