After the January 2025 wildfires, many Los Angeles business owners took a closer look at their coverage. We compare business owners policies, general liability, and business income coverage for restaurants, contractors, shops, and offices across LA.
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The January 2025 Palisades and Eaton fires destroyed more than 16,000 structures and disrupted about 6,900 businesses. These are the coverage questions we hear most.
| Business type | What to check | Why it matters |
|---|---|---|
| Restaurants and retail | Business income and civil authority | Business income can pay when a covered loss closes your doors, and civil authority coverage can help when an order blocks access. |
| Contractors | General liability and tools | Rebuild contracts often set liability limits and additional insured requirements. |
| Businesses in fire-prone areas | Commercial property availability | Standard options may be limited; the FAIR Plan offers basic commercial property as a fallback. |
We help estimate how long a shutdown could last so your income coverage matches.
When standard insurers pull back, we compare what’s available, including the FAIR Plan.
We help contractors meet the liability and additional insured terms in rebuild contracts.
If you have business income coverage and the fire causes covered damage to your property, it can replace lost income and pay ongoing expenses while you rebuild. Civil authority coverage may also pay for a limited time when a government order blocks access after nearby damage.
How far a disaster can reach. The Palisades and Eaton fires affected about 6,900 businesses, most of them outside the burn areas through evacuations, smoke, and closures. That’s why business income and civil authority coverage are worth reviewing.
Most rebuild contracts require general liability, often naming the property owner or general contractor as an additional insured, plus workers’ comp. Under current California law, every CSLB-licensed contractor will need workers’ comp starting January 1, 2028.
Not their driving. If employees deliver in their own cars, hired and non-owned auto coverage can be added, and vehicles the business owns need commercial auto.
It can cover your office and general liability, but production work usually needs specialized coverage, like production equipment, production liability, and errors and omissions. We help sort out what a BOP covers and what needs its own policy.
Share your business type and location, and a licensed agent will lay out options by phone or video.
