When you’re running a business in Sacramento, California, having the right commercial insurance isn’t just smart — it’s essential. Whether you’re a new startup or a well-established company, understanding how much commercial insurance costs can help you budget smartly while protecting everything you’ve built.
So, how much does commercial insurance actually cost in Sacramento? The short answer: it depends. But let’s break it down.
💼 General Liability Insurance
Average cost: Around $42/month
This is the foundation of most business insurance policies. It covers bodily injuries, property damage, and legal fees in case of lawsuits. It’s crucial for everything from retail shops to contractors.
🏢 Business Owner’s Policy (BOP)
Average cost: Around $57/month
A BOP combines general liability with commercial property insurance, giving you two essential coverages in one neat (and affordable) package. It’s a great option for small to mid-sized businesses.
🚚 Commercial Auto Insurance
Average cost in Sacramento: $1,200 to $3,500/year per vehicle
If your business involves driving — whether it’s deliveries, hauling tools, or visiting clients — you’ll need commercial auto insurance. Rates depend on vehicle type, driving history, and business use.
🛠️ Workers’ Compensation Insurance
Average cost: Around $62/month
If you have employees, California law requires you to carry workers’ comp. It protects your team by covering medical expenses and lost wages after work-related injuries.
🧾 Professional Liability Insurance (E&O)
Average cost: Around $82/month
If your business gives advice, provides services, or handles client data, professional liability (also known as Errors & Omissions insurance) is key. It covers lawsuits from mistakes, missed deadlines, or perceived negligence.
What Affects Your Commercial Insurance Costs?
Several factors influence what you’ll pay for business insurance in Sacramento, including:
- Industry and risk level
- Business size and number of employees
- Claims history
- Type and amount of coverage
- Annual revenue
- Physical location of your business
Let Us Help You Find the Right Coverage
At Eugene C. Yates Insurance Agency, we’ve been helping Sacramento businesses protect what matters most since 1946. Our team works with the top-rated insurance carriers to tailor a policy that fits your business, your goals, and your budget.
🛡️ Whether you’re looking for liability coverage, a BOP, or specialized commercial insurance — we’ve got you covered.
Ready for a Custom Quote?
Give us a call or request a fast, free quote online today. We’ll help you navigate your options and find the most competitive rates for commercial insurance in Sacramento.
Eugene C. Yates Insurance Agency
Proudly serving Sacramento for over 75 years
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