5 Cities Insurance
Business Insurance for California Companies
Explore commercial coverage by category. Each page explains what it covers, common exclusions, and what to prepare for a quote. Coverage is subject to underwriting and the terms of an issued policy.
Some lines are pending confirmation
Coverages marked "pending" are shown for educational purposes while the agency confirms availability and authority. They are not yet offered lines.
Liability
California liability coverage options.
Third-party bodily injury, property damage, and advertising injury.
Claims arising from professional errors, omissions, or negligent advice.
Extra liability limits above primary policies for severe claims.
Additional limits that follow a specific underlying policy.
Claims from products you make, sell, or distribute causing injury or damage.
Property
California property coverage options.
Building, equipment, inventory, and contents against fire, storm, theft, and more.
Tools, equipment, and goods in transit or off-premises.
Property in the course of construction or renovation.
Sudden mechanical or electrical failure of equipment and systems.
Lost income and ongoing expenses after a covered property loss.
Auto
California auto coverage options.
Liability, physical damage, and coverage for business-use vehicles.
Workers' Compensation
California workers' compensation coverage options.
Statutory coverage for employees' on-the-job injuries and certain occupational disease.
Package
California package coverage options.
Property and general liability bundled for eligible small and mid-size businesses.
Specialty
California specialty coverage options.
Data breach, ransomware, and cyber-incident response and liability.
Claims of wrongful termination, discrimination, harassment, and related workplace acts.
Employee dishonesty, theft, and certain financial crimes.
Liability for directors and officers governing a company.
Liability for those administering employee benefit plans.
Third-party claims and cleanup from pollution events.
Claims from the sale or service of alcoholic beverages.
Contract, license, and commercial surety bonds.
Looking for additional lines like flood, earthquake, or group benefits? See our additional coverage section.
Not sure where to start?
Request a quote and choose 'I'm not sure what coverage I need' — we'll guide you.