San Diego businesses range from restaurants in North Park to contractors in Kearny Mesa and shops downtown. We compare business owners policies, general liability, and the coverage standard policies leave out.
Tell us about your business, and a licensed agent will follow up by phone or video with options to compare.
By submitting, you agree a licensed insurance agent may contact you about business insurance options.
Restaurants, contractors, and shops each have their own coverage needs, and two San Diego risks, flood and earthquake, sit outside a standard business owners policy.
| Business type | What to check | Why it matters |
|---|---|---|
| Restaurants and bars | Liquor liability and spoilage | Serving alcohol and keeping a walk-in both call for add-ons. |
| Contractors | General liability with additional insureds | General contractors usually require it before you set foot on a site. |
| Businesses in low-lying areas | Commercial flood coverage | The January 2024 storm damaged nearly 5,000 structures across the region, and a BOP excludes flood. |
We flag flood and earthquake gaps before a loss, not after.
If you have more than one location, we make sure each one’s property and income are covered.
We help with certificates and additional insured wording for landlords and general contractors.
No. Standard business owners policies exclude flood. The January 2024 storm damaged nearly 5,000 structures across the region, so a separate commercial flood policy is worth comparing, especially in low-lying areas.
It’s worth comparing. Earthquake is excluded from standard business owners policies, and the Rose Canyon fault runs through downtown San Diego. Businesses that own their building or hold significant inventory often look at commercial earthquake coverage first.
Usually general liability with the general contractor named as an additional insured, workers’ comp if you have employees, and sometimes commercial auto. Requirements vary by contract, so share yours before you buy.
Only if you add spoilage coverage, and some policies also need a utility service interruption endorsement for outages that start off-site. Ask for both if you keep a walk-in or freezer.
Yes. A BOP can list multiple locations, each with its own property and business income limits. We check that every location is scheduled correctly.
Share your business type and locations, and a licensed agent will lay out options, including flood and earthquake, by phone or video.
