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Business Insurance
From sole proprietors to growing companies, we build commercial coverage packages that protect your business, your employees, and your bottom line.
Running a business comes with real risks. We work with you to identify your exposures and build a comprehensive insurance program that keeps your business protected — so you can focus on growth, not what-ifs.
Why Choose Us
The Prime Point Difference
We specialize in small to mid-size California businesses across a wide range of industries.
Independent agency access means we compare multiple carriers for the best commercial rates.
We review your contracts and client requirements to make sure your coverage meets the mark.
Annual policy reviews to keep your coverage aligned with your business growth.
Fast certificates of insurance — we know your clients need them quickly.
By the Numbers
Common Questions
Frequently Asked Questions
Is business insurance required in California?
Workers' compensation is required for any business with employees. Other coverages may be required by contracts, leases, or licensing boards. We'll help you understand your obligations.
What is a BOP and do I need one?
A Business Owners Policy bundles general liability and commercial property coverage at a lower cost than buying them separately. It's ideal for most small businesses with a physical location.
Does my homeowners policy cover my home-based business?
Generally, no. Home-based businesses typically need a separate business policy or endorsement to cover business equipment, liability, and professional services.
How much does business insurance cost?
It varies widely based on your industry, revenue, number of employees, and coverage needs. We'll get you accurate quotes from multiple carriers so you can make an informed decision.
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