Commercial Insurance
Commercial insurance for Chico-area businesses
The right coverage for your business
Running a business means managing real risk — and a single uncovered incident can set you back significantly. Kevin Baker Insurance Agency helps local businesses in Chico and Northern California build commercial coverage that fits their operations.
We offer a variety of coverage options to help protect what you've built — from general liability to commercial auto — and we'll make sure you have what you need without paying for what you don't.
Commercial coverage options for local businesses
Whether you run a small shop, a contractor operation, or a growing company, we'll map your exposures and build coverage that holds up when it needs to.
- General Liability
- Business Owners Policies (BOP)
- Workers' Compensation
- Tool Coverage
- Commercial Auto
FAQ
Frequently Asked Questions
What commercial insurance does my California business need?
California requires workers' compensation for businesses with employees. Beyond that, most businesses benefit from general liability, commercial property, and commercial auto if your business owns vehicles. The right combination depends on your specific operations — we'll walk through them with you.
What is a Business Owners Policy (BOP)?
A BOP bundles general liability and commercial property into a single policy, typically at a lower cost than purchasing them separately. It's a common starting point for small to mid-size businesses. We'll help you determine if a BOP covers your needs or if you need a more customized package.
Do I need commercial auto insurance if I use my personal vehicle for work?
If you regularly use your personal vehicle for business purposes — transporting clients, carrying equipment, making deliveries — your personal auto policy may not cover accidents that occur during business use. A commercial auto endorsement or separate commercial auto policy closes that gap.
What does workers' compensation cover in California?
Workers' compensation in California covers medical treatment, temporary disability payments, permanent disability benefits, and death benefits for employees injured on the job. California requires workers' comp for virtually all businesses with one or more employees — there are significant penalties for non-compliance.
Get a Free Commercial Quote
Tell us about you — we'll take it from there.
Protecting Chico-area businesses with local expertise