Business Insurance

Business & Commercial Insurance

What type of insurance are you looking for, for your business? We have small business insurance, commercial insurance, and liability insurance for small businesses. Contact us to learn more about what type of insurance we can offer you.

Business & Commercial Insurance Quote Forms

Are your searching for business and commercial insurance coverage? Check out the following links below to submit a quote to find out the most affordable rates.


Builders Risk

Business Owners (BOP) Quote Form

Commercial Auto Insurance Quote

General Liability Quote Form

Restaurant Insurance Quote

Social Services Insurance Quote

Workers Compensation Quote

Business & Commercial Insurance Customer Service Options

We provide a service that is a self-serving policy that is available directly on our website. If you’re looking to change your policy on your account, you are able to click the below police service options.


Add Driver to Existing Commercial Auto Policy

Add Vehicle to Existing Commercial Auto Policy

Remove Driver from Existing Commercial Auto Policy

Remove Vehicle from Existing Commercial Auto Policy

Business & Commercial Insurance Information

Business & Commercial Insurance


Huntington Beach, Costa Mesa, Santa Clarita, CA


Businesses large and small all have a similar requirement — insurance coverage. Not only are certain coverages — such as worker’s compensation — required by law, but they’re also crucial in protecting your company’s finances in a wide variety of situations. Huntington Pacific Insurance Agency realizes that businesses have different needs and budgets. We’ll help you find coverage customized for you. Contact us today to get started!

Commercial Auto

When you’re an owner of a business, you’ll require similar coverages types of insurance for the cars you are able to operate in your business as you need for a car that you need to operate for personal travel. The insurance coverage for liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists are a necessity if you want reliable commercial insurance. Generally, most business people operate the same vehicle for both business and pleasure. If the car is owned by a business, then you need to take into account that the name of the business needs to appear on the policy as the “principal insured” rather than your name. When you put “principled insured,” you will avoid any confusion in the event that you need to file a claim or when a claim is filed against you.

Depending on if you need to buy a business auto insurance policy will come down to the kind of driving you do. A good insurance agent will ask you about the details on how you use vehicles in your business. He or she will ask who will be driving the vehicles and whether the employees, if there are any, are likely to be driving their own cars for the business.

Generally, major coverages are similar. A business auto policy will differs from a personal auto policy in many different respects. Make sure to take the time to ask your insurance agent to go into the details of all of the differences and options.

General Liability

Personal umbrella liability policies are usually an exclusion for any business-related liabilities. Make sure you have sufficient auto liability coverage to keep you financially safe.


Regrettably for business owners, the opportunity to get sued has dramatically increased during the last decade. General Liability insurance can help to avoid a legal suit from changing into a financial disaster when financial protection is provided. In the case that your business is ever sued or held legally responsible for some injury or damage General Liability insurance will provide some security.


General Liability will help to pay any losses that arise from any real or alleged bodily injuries, property damage, or personal injury on the premise of your business. In addition, General Liability will help to pay for any that arise from your operations.

The Broad Range of General Liability Protection

Bodily Injury: The price of care, loss of services, and restitution for any deaths that result from injury.

Property Damage: Covers the physical damage to property of others or the loss of the use of property.

Products-Completed Operations: Offers liability protection (damages and legal expenses up to your policy’s limit) if an injury ever arises from something your company made or the service your company provides.

Products Liability: Specializes in product liability insurance that protects your company against lawsuits from product-related injury or accidents.

Contractual Liability: Extends to any liability you may assume by entering into a variety of contracts.

Other coverages include: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types.

Workers Compensation

The workers compensation laws were built to ensure that employees who are hurt on the job are offered fixed monetary awards. This means that it eliminates the need for litigation and creates a much more simple procedure for the employee. It also helps to regulate the financial risks for employers. In many states, they limit the amount an injured employee can recover from an employer.

Workers compensation insurance is made to aid companies to pay these exact benefits. To protect employees, most states require employers to carry some form of Workers compensation insurance. Workers compensation insurance is not health insurance. Workers compensation is created respectively for injuries sustained on the job.

In many states, if you have employees, you are required to incorporate Workers Compensation coverage. Even in non-mandatory states, it can be a great idea, particularly if you have a lot of employees, or if they participate in hazardous activities.

Is Workers Compensation Insurance Required?

A business has a legal responsibility to their employees to ensure the workplace is safe. Nonetheless, accidents are liable to happen even when every reasonable safety measure is taken into consideration.

Protection for employers is available. Workers compensation insurance will help to cover workers who are injured on the job. Lawsuits have a tendency to happen when there are workplace accidents. Protect your employees and the employer when workers compensation insurance is purchased. In most states, it will cover medical care and compensation for lost income to employees hurt in workplace accidents. If your employee is hurt on the workplace premises or elsewhere, or in auto accidents while on business Workers compensation insurance will cover it as well as work-related illnesses.

Payments are provided to workers who have been injured regardless of who was at fault in the accident. Payments are provided for the time lost from work and for medical and rehabilitation services. In addition, this insurance covers death benefits to surviving spouses and dependents.

Every state has different laws governing the amount and duration of any lost income benefits, the arrangement of medical and rehabilitation services and how the system is administered. For instance, in many states, there are regulations that cover the worker or employer and they can choose the doctor who treats the injuries and how the disputes are resolved due to the benefits.

Keep in mind, that workers compensation insurance should be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies and don’t include coverage for workers’ injuries.