Additional Coverage Under Review

Commercial flood insurance covers damage to buildings and contents from flooding, which standard commercial property policies exclude. For businesses in or near flood zones, a separate flood policy — often through the National Flood Insurance Program (NFIP) or a private market — is considered.

Commercial earthquake insurance covers damage from seismic events, which commercial property policies exclude. Given California's seismic exposure, businesses often consider a separate earthquake policy or endorsement, with terms and deductibles that differ from property.

Group health insurance provides medical coverage for employees and, in some cases, dependents. It is a benefits offering rather than a property-and-casualty line, and placing it requires the appropriate authority and market access, which the agency is confirming.

Group dental and vision plans supplement group health by covering dental and eye care. They are voluntary benefits that require the appropriate authority and market access to place, which the agency is confirming.

Group life and disability benefits provide life insurance and income replacement for employees unable to work due to injury or illness. Placing these benefits requires the appropriate authority and market access, which the agency is confirming.

Key person life insurance protects a business against the financial impact of losing a vital employee or owner. The business owns and pays for the policy and receives the benefit on a covered loss. Placing it requires the appropriate authority, which the agency is confirming.

Personal insurance covers individuals and households — such as home, auto, and umbrella — rather than business exposures. The agency is confirming whether it offers personal lines; until then this content is educational only and not an offer of coverage.