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Bone Robertson McBride
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Bone Robertson McBride
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Business Insurance in Concord, CA

What does it cost?

It’s difficult to come up with any tangible estimate as it varies greatly based on the coverage you need, type of business, revenue earned, exposure profile of the business; what other additional policies you have, etc.

But, by way of example - let's take a small marketing services firm (office workers), that has 5 employees (including one owner - 100%). All the employees work indoors, do not use their cars for work purposes, no goods to move, has a company informational website (but no real cyber liability exposure), has clients than typically pay about $20,000 per year in fees to the firm. The firm needs $1M million in coverage and $2 million in aggregate coverage. A firm such as this can expect to pay somewhere between $500 and $2,500 a year in general liability insurance coverage. This is an example only - actual costs will vary.

Your state, local county regulations and rule could affect the costs of insurance. To learn more from our experts in the Concord, CA and surrounding areas, get in touch with us.

How do you pay for the policy?

Three options depending on your circumstances –
  1. Paid Up front – usually for new businesses, or businesses that don’t have strong financials.
  2. Monthly Installment (financed)
  3. Quarterly or twice a year payments (not necessarily financed, but because you have a history with the carrier they give you this payment plan)

Who needs business insurance?
  1. In a word – every business! If you are a white collar professional (consultant), or run a business, a contractor, or small business owner, you need some form of general liability protection to safeguard your business. A single accident could result in a costly lawsuit. A general liability insurance policy is a great way to protect your business. You want to make sure you have liability coverage that matches your level of exposure. Some employers or clients might require you to carry a certain amount of general liability before you can work for them.
  2. To learn more from our experts in the Concord, CA and surrounding areas, get in touch with us.

U.S. States Available

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Bone Robertson McBride has other insurance programs like Auto Insurance in Concord, CA.